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<!DOCTYPE html><html lang="pl"><head><meta charSet="utf-8"/><meta name="viewport" content="initial-scale=1, width=device-width"/><meta id="redesign"/><meta name="p:domain_verify" content="486176bd1ea30b4b17305e2e042b878b"/><script type="text/javascript">try{const a=t=>{return a=window,e=document,n="script",a[o="uetq"]=a[o]||[],r=function(){var e={ti:""+t,enableAutoSpaTracking:!0};e.q=a[o],a[o]=new UET(e),a[o].push("pageLoad")},(c=e.createElement(n)).src="//bat.bing.com/bat.js",c.async=1,c.onload=c.onreadystatechange=function(){var e=this.readyState;e&&"loaded"!==e&&"complete"!==e||(r(),c.onload=c.onreadystatechange=null)},void(e=e.getElementsByTagName(n)[0]).parentNode.insertBefore(c,e);var a,e,n,o,r,c};Object.defineProperty(window,"uetLoader",{value:a})}catch(e){console.error(e)}</script><script type="text/javascript">window.clarityModule={appendClarityScript:t=>{const e='!function(c,l,a,r,i,t,y){a[c]("metadata",(function(e){function n(){var n=ga.getAll();for(var o in n){var s=n[o];if("UA-2629088-1"===s.get("trackingId")){s.set("dimension53",["https://clarity.microsoft.com/ga",e.projectId,e.userId,e.sessionId].join("/")),s.send("event",{eventCategory:"Clarity",nonInteraction:!0,eventAction:e.sessionId});break}}}try{ga&&ga(n)}catch(e){try{n()}catch(e){}}}));try{var d="dataLayer",g="gtag";a[d]=a[d]||[],a[g]=a[g]||function(){a[d].push(arguments)},a[g]("event","optimize.callback",{callback:function(e,g){a[c]("set","optimizeExp",g+":"+e)}})}catch(e){}if(a[c].v||a[c].t)return a[c]("event",c,"dup."+i.projectId);a[c].t=!0,(t=l.createElement(r)).async=!0,t.src="/static/front/clarity_scripts/js/clarity.js",(y=l.getElementsByTagName(r)[0]).parentNode.insertBefore(t,y),a[c]("start",i),a[c].q.unshift(a[c].q.pop())}("clarity",document,window,"script",{"projectId":"'+t+'","upload":"https://d.clarity.ms/collect","expire":365,"cookies":["_uetmsclkid","_uetvid"],"track":false,"lean":false,"content":true,"extract":[3,1,["4f509md79","zjy56jaz","4s4zm72hj"]]});',a=document.createElement("script");a.type="text/javascript",a.async=!0,a.append(e),document.getElementsByTagName("head")[0].appendChild(a)}};</script><script id="uc-gtm">function gtag(){dataLayer.push(arguments)}window.dataLayer=window.dataLayer||[],window.addEventListener("ucEvent",function(e){if(e.detail&&"consent_status"==e.detail.event){var t="Microsoft Clarity";switch(e.detail.hasOwnProperty(t)&&gtag("consent","update",{clarity_storage:e.detail[t]?"granted":"denied"}),e.detail.action){case"onAcceptAllServices":document.cookie="3_RODO_FULL=true; path=/; secure=true; samesite=none; max-age=34560000;";break;case"onDenyAllServices":document.cookie="5_RODO_REJECTED=true; path=/; secure=true; samesite=none; max-age=34560000;";break;case"onUpdateServices":document.cookie="4_RODO_SETTINGS=true; path=/; secure=true; samesite=none; max-age=34560000;"}e.detail.ucCategory.essential&&(document.cookie="3_RODO_FULL=true; path=/; secure=true; samesite=none; max-age=34560000;")}}),gtag("consent","default",{ad_storage:"denied",analytics_storage:"denied",clarity_storage:"denied",ad_user_data:"denied",ad_personalization:"denied",wait_for_update:2e3}),gtag("set","ads_data_redaction",!0),function(e,t,a,n){e[n]=e[n]||[],e[n].push({"gtm.start":(new Date).getTime(),event:"gtm.js"});e=t.getElementsByTagName(a)[0],n=t.createElement(a);n.async=!0,n.src="https://www.googletagmanager.com/gtm.js?id=GTM-NZQMN2W",e.parentNode.insertBefore(n,e)}(window,document,"script","dataLayer"); </script><title>🔴 PKO Płacę później - kup teraz, zapłać później</title><meta name="description" content="🔴 Płatności odroczone PKO Płacę później - kup teraz, zapłać za 30 dni. Możesz mieć nawet 2000 zł na zakupy w sklepach internetowych i stacjonarnych "/><meta name="article:modified_time" content="2024-11-18T12:52:31.615499+01:00"/><meta name="robots" content="index, follow"/><link rel="canonical" href="https://www.pkobp.pl/klient-indywidualny/karty-platnosci/pko-place-pozniej-platnosci-odroczone"/><script>window.pko = {"storage":{"dd_RRSO-KMSR":"8,90%","test":"testowa1","dd_RRSO-BK-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo Bezpiecznego kredytu 2% w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>4,31%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 290 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 96,3%, oprocentowanie stałe przez pierwsze 5 lat: 7,02%/rok, na które składa się 5-letnia stała stopa bazowa 5,02%/rok, marża 2%, następnie na drugi 5 letni okres oprocentowanie stałe 7,67%, na które składa się 5-letnia stała stopa bazowa 5,67%/rok i marża 2%, a następnie oprocentowanie zmienne 7,67%/rok (od 11. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,67%/rok z dnia 09.11.2023 r. i marża 2%; całkowity koszt kredytu 184 704,44 zł, w tym prowizja za udzielenie kredytu 1,7%, tj. 4 930 zł, opłata prowizyjna dla BGK za udzielenie gwarancji 490,86 zł; odsetki 172 573,72 zł, ubezpieczenie nieruchomości 5 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; całkowita kwota do zapłaty 474 704,44 zł, płatna w 300 ratach: malejących w okresie stosowania dopłat oraz ratach annuitetowych (równych) miesięcznych po tym okresie, przy czym pierwsza rata malejąca z dopłatą wyniesie 1 426,76 zł, od 11. roku raty annuitetowe (równe) wyniosą po 1 630,69 zł i ostatnia rata wyniesie 1 442,25 zł. Kalkulacja została dokonana na dzień 10.11.2023 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG":"11,57%","dd_RRSO-KH-BH-S":"9,10%","dd_RRSO-KH-BH-Z":"9,84%","dd_RRSO-KH-PKO-Z":"9,83%","dd_RRSO-KH-PR-BH-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,84%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 320 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 61,70%, oprocentowanie zmienne 8,18%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,32 p.p.; całkowity koszt kredytu 466 858,85 zł, w tym: prowizja 0,5%, tj. 1 600 zł, odsetki 431 819,05 zł, ubezpieczenie nieruchomości 6 400 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 26 620,80 zł (za cały okres kredytowania dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); całkowita kwota do zapłaty 786 858,85 zł, płatna w 300 miesięcznych ratach annuitetowych (równych), po 2 510,00 zł, przy czym ostatnia rata wyniesie 1 329,05 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-EPG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 024,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 324,97 zł (w tym: prowizja 0,00 zł, odsetki 1 324,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-KH-PKO-S":"9,08%","[!RRSO-KKMP]":"20,74%","dd_RRSO-EP-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 19,55%, całkowita kwota kredytu (bez kredytowanych kosztów) 29 900,00 zł, całkowita kwota do zapłaty 48 549,53 zł, oprocentowanie zmienne 17,99%, całkowity koszt kredytu 18 649,53 zł (w tym: prowizja 0,00 zł, odsetki 18 649,53 zł), 71 miesięczne raty równe po 681,78 zł i ostatnia rata: 143,15 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>\n\nUdzielenie pożyczki jest uzależnione od pozytywnej oceny zdolności kredytowej. Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.<br/><br/>\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. <br/><br/>","dd_RRSO-KH-PR-PKO-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,08%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-PKO-Z":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,83%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","dd_RRSO-KHM":"9,92%","dd_RRSO-KKI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKMP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-KKP-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","dd_RRSO-LO-BO-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","dd_RRSO-LO-KI-PR":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","[!RRSO-BK]":"4,31%","[!RRSO-EP]":"19,55%","[!RRSO-EPG]":"11,57%","[!RRSO-KMSR]":"9,24%","[!RRSO-KH-BH-Z]":"8,81%","dd_RRSO-PH":"11,62%","[!RRSO-PGPROMO]":"16,43%","dd_RRSO-PH-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi <strong>11,62%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","[!RRSO-KH-BH]":"9,84%","[!RRSO-KH-PKO-Z]":"8,41%","[!RRSO-KH-PKO]":"9,83%","[!RRSO-KHM]":"9,92%","[!RRSO-PG]":"11,57%","[!RRSO-PH]":"11,62%","dd_RRSO-PG-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.</strong>","dd_RRSO-PK-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 12,56%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 39 812,55 zł, oprocentowanie zmienne 11,89%, całkowity koszt kredytu 13 112,55 zł (w tym: prowizja 0,00 zł, odsetki 13 112,55 zł), 85 miesięcznych rat równych po 462,75 zł i ostatnia rata: 478,80 zł. Kalkulacja została dokonana na dzień 18.11.2024 r. na reprezentatywnym przykładzie.</strong>","[!RRSO-PK]":"12,56%","dd_RRSO-KMSR-PR":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>8,90%</strong> przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-PH-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką <strong>10,75%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KH-PR-BH-S":"<strong> Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi <strong>9,10%</strong> przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","dd_RRSO-KHM-PR-S":"<strong>Rzeczywista Roczna Stopa Oprocentowania (RRSO)</strong> dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi <strong>9,15%</strong> przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r."}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"PKO Bank Polski","item":"https://www.pkobp.pl"},{"@type":"ListItem","position":2,"name":"Klient indywidualny","item":"https://www.pkobp.pl/klient-indywidualny"},{"@type":"ListItem","position":3,"name":"Karty i płatności","item":"https://www.pkobp.pl/klient-indywidualny/karty-platnosci"},{"@type":"ListItem","position":4,"name":"PKO Płacę później"}]}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"VideoObject","name":"Jak aktywować usługę PKO Płacę później w serwisie internetowym iPKO?","description":"PKO Płacę później możesz aktywować w aplikacji mobilnej IKO lub serwisie internetowym iPKO. \nPo zbadaniu Twojej zdolności kredytowej pokażemy Ci naszą propozycję limitu - to kwota, do której możesz płacić za swoje zakupy w ramach usługi.\nPo aktywacji korzystasz, kiedy chcesz – wystarczy w czasie zakupów wybrać BLIK lub Płacę z iPKO, a następnie - PKO Płacę później\n\nAktywacja usługi „PKO Płacę później” jest uzależniona od pozytywnej oceny zdolności kredytowej.\n\nPrzeczytaj więcej o PKO Płacę później: https://www.pkobp.pl/klienci-indywidualni/bankowosc-elektroniczna/pko-place-pozniej/\n\nOdwiedź nas na: https://www.pkobp.pl\n\nObserwuj nas w mediach społecznościowych:\nFacebook: https://www.facebook.com/PKOBankPolski/\nTwitter: http://twitter.com/pkobp?lang=pl\nInstagram: https://www.instagram.com/pkobp/\nLinkedIn: https://www.linkedin.com/company/pko-bp\nGrupa na Facebooku Dzień Dobry Kariero: https://www.facebook.com/groups/dziendobrykariero/\nBankomania: http://www.bankomania.pkobp.pl","thumbnailUrl":["https://i.ytimg.com/vi/gvurM2E5aTg/default.jpg","https://i.ytimg.com/vi/gvurM2E5aTg/mqdefault.jpg","https://i.ytimg.com/vi/gvurM2E5aTg/hqdefault.jpg"],"uploadDate":"2023-04-03T14:43:17Z","contentUrl":"https://www.youtube.com/watch?v=gvurM2E5aTg","embedUrl":"https://www.youtube.com/embed/gvurM2E5aTg","duration":"PT1M3S","publisher":{"@type":"Organization","name":"PKO Bank Polski","sameAs":"https://www.pkobp.pl/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"VideoObject","name":"Jak płacić usługą PKO Płacę później za zakupy online?","description":"Nie musisz czekać z zakupami. Kup terazJak skorzystać z PKO Płacę później online?\n1. Wybierając metodę płatności kliknij Płacę z iPKO\n3. Zaloguj się do iPKO lub zapłać BLIKIEM bez logowania\n6. Sprawdź, czy wszystko się zgadza i potwierdź płatność \n7. Płatność została zlecona. A Ty na spłatę masz, aż 30 dni\n\nPrzeczytaj więcej o PKO Płacę później: https://www.pkobp.pl/klienci-indywidualni/bankowosc-elektroniczna/pko-place-pozniej/\n\n\nOdwiedź nas na: https://www.pkobp.pl\n\nObserwuj nas w mediach społecznościowych:\nFacebook: https://www.facebook.com/PKOBankPolski/\nTwitter: http://twitter.com/pkobp?lang=pl\nInstagram: https://www.instagram.com/pkobp/\nLinkedIn: https://www.linkedin.com/company/pko-bp\nGrupa na Facebooku Dzień Dobry Kariero: https://www.facebook.com/groups/dziendobrykariero/\nBankomania: http://www.bankomania.pkobp.pl","thumbnailUrl":["https://i.ytimg.com/vi/cWbuMd6Q7Vk/default.jpg","https://i.ytimg.com/vi/cWbuMd6Q7Vk/mqdefault.jpg","https://i.ytimg.com/vi/cWbuMd6Q7Vk/hqdefault.jpg"],"uploadDate":"2022-11-29T09:03:36Z","contentUrl":"https://www.youtube.com/watch?v=cWbuMd6Q7Vk","embedUrl":"https://www.youtube.com/embed/cWbuMd6Q7Vk","duration":"PT1M22S","publisher":{"@type":"Organization","name":"PKO Bank Polski","sameAs":"https://www.pkobp.pl/"}}</script><script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Jak zarządzać swoją usługą PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<ul>\n<li>W aplikacji IKO i serwisie iPKO sprawdzisz:\n<ul>\n<li>Kwotę do wykorzystania i do spłaty w ramach limitu PKO Płacę później</li>\n<li>Listę transakcji już spłaconych i pozostałych do spłaty</li>\n<li>Datę najbliższej spłaty. Na spłatę transakcji masz maksymalnie 30 dni.</li>\n</ul>\n</li>\n<li>Jeżeli chcesz spłacić daną transakcję na liście, rozwiń <strong>menu </strong>(ikonka 3 kropek) i wybierz <strong>Spłać teraz</strong> – możesz to zrobić, gdy transakcja jest już zaksięgowana</li>\n<li>Jeżeli chcesz zrezygnować z usługi PKO Płacę później, rozwiń <strong>menu </strong>(ikonka 3 kropek) przy nazwie usługi i wybierz opcję rezygnacji</li>\n<li>Możesz pobrać potwierdzenie transakcji, gdy jej kwota się zaksięguje</li>\n<li>Jeżeli dzień spłaty wypada na sobotę lub dzień ustawowo wolny od pracy, termin spłaty wypada wtedy w najbliższy dzień roboczy</li>\n</ul>"}},{"@type":"Question","name":"Jak działa limit płatniczy PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>Masz <strong>1000 zł</strong> limitu do wykorzystania</p>\n<ul>\n<li>Jeżeli <strong>28 października</strong> zrobisz pierwsze zakupy za <strong>150 zł</strong>:\n<ul>\n<li>Pozostała kwota limitu do wykorzystania to <strong>850 zł</strong></li>\n<li>Termin spłaty to poniedziałek, 28 listopada – ponieważ 30. dzień od dokonania transakcji wypada w niedzielę 27 listopada, termin przesunie się na poniedziałek</li>\n</ul>\n</li>\n<li>Jeżeli <strong>30 października</strong> zrobisz drugie zakupy za <strong>300 zł</strong>:\n<ul>\n<li>Pozostała kwota limitu do wykorzystania to <strong>550 zł</strong></li>\n<li>Termin spłaty to wtorek, 29 listopada</li>\n</ul>\n</li>\n<li>Gdy <strong>16 listopada</strong> samodzielnie spłacisz drugie zakupy za <strong>300 zł</strong>: \n<ul>\n<li>Pozostała kwota limitu do wykorzystania to <strong>850 zł</strong></li>\n</ul>\n</li>\n<li>Gdy <strong>28 listopada</strong> automatycznie spłacą się pierwsze zakupy za <strong>150 zł</strong>:\n<ul>\n<li>Po spłacie masz <strong>1000 zł</strong> limitu do wykorzystania</li>\n</ul>\n</li>\n</ul>"}},{"@type":"Question","name":"Czy aktywacja i korzystanie z usługi są płatne?","acceptedAnswer":{"@type":"Answer","text":"<p>Nie – <strong>nie pobieramy żadnych opłat ani prowizji za aktywację i korzystanie z usługi</strong> pod warunkiem, że spłacasz transakcje w wyznaczonym terminie.</p>\n<p>Jeśli nie spłacisz transakcji w terminie, od zadłużenia przeterminowanego pobierzemy odsetki ustawowe za opóźnienie. Wysokość oprocentowania od zadłużenia przeterminowanego na <span style=\"color: #000000;\">05.10.2023</span> to 11,25% (suma stopy referencyjnej NBP i 5,5 p.p.).</p>"}},{"@type":"Question","name":"Czy mogę złożyć wniosek o usługę PKO Płacę później, jeśli mam konto założone na selfie?","acceptedAnswer":{"@type":"Answer","text":"<p><span style=\"text-align: left;\">Nie, najpierw musisz odwiedzić nasz oddział i zweryfikować swoją tożsamość.</span></p>"}},{"@type":"Question","name":"Czy podczas aktywacji lub podwyższenia kwoty limitu PKO Płacę później sprawdzane jest zastrzeżenie nr PESEL?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, możesz zawrzeć umowę lub podwyższyć limit, jeśli masz niezastrzeżony nr PESEL – <a href=\"https://www.pkobp.pl/aktualnosci/bezpieczenstwo/zastrzezenie-pesel-co-zmieni-sie-od-1-czerwca-2024\" target=\"_blank\" rel=\"noopener\">dowiedz się więcej</a></p>"}},{"@type":"Question","name":"Jaka jest minimalna i maksymalna wartość płatności PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"Minimalna wartość płatności to 50 zł, a maksymalna nie może przekraczać Twojego limitu PKO Płacę później."}},{"@type":"Question","name":"Gdzie sprawdzę swój limit PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>W serwisie iPKO:</p>\n<ul>\n<li>Strona startowa <strong>Moje produkty</strong> → <strong>PKO Płacę później</strong></li>\n<li>Menu główne <strong>Moje produkty</strong>→ <strong>PKO Płacę później</strong></li>\n<li><strong>Płatności</strong> → <strong>Inne usługi</strong> → <strong>PKO Płacę później</strong></li>\n</ul>\n<p>W aplikacji IKO:</p>\n<ul>\n<li>Na ekranie startowym aplikacji.</li>\n<li>Dolne menu → <strong>Moje Produkty</strong> → <strong>PKO Płacę później</strong></li>\n<li>Dolne menu → <strong>Płatności</strong> → <strong>PKO Płacę później</strong></li>\n</ul>"}},{"@type":"Question","name":"Jak wygląda zwrot pieniędzy, gdy zrezygnuję z zakupu?","acceptedAnswer":{"@type":"Answer","text":"<ul>\n<li>Gdy rezygnujesz z zakupu i chcesz dostać zwrot pieniędzy, postępuj zgodnie z zasadami zwrotu w danym sklepie</li>\n<li>Jeżeli dostaniesz zwrot na rachunek PKO Płacę później, automatycznie przeksięgujemy pieniądze na Twoje konto wskazane do spłaty transakcji</li>\n<li>Pamiętaj: spłać transakcję PKO Płacę później samodzielnie lub poczekaj na spłatę automatyczną</li>\n</ul>"}},{"@type":"Question","name":"Jak samodzielnie spłacić transakcję?","acceptedAnswer":{"@type":"Answer","text":"<p>Jeżeli chcesz wcześniej samodzielnie spłacić daną transakcję ze swojej listy, rozwiń menu (ikonka 3 kropek) i wybierz <strong>Spłać teraz</strong> – możesz to zrobić, gdy transakcja jest już zaksięgowana. Blokady rozliczamy w ciągu 7 dni.</p>"}},{"@type":"Question","name":"Czy mogę spłacić samodzielnie część jednej transakcji lub czy mogę rozłożyć ją na raty?","acceptedAnswer":{"@type":"Answer","text":"<p>Transakcję spłaca się w całości – nie można rozłożyć jej na raty. Jeżeli spłacasz ją samodzielnie, również musisz zrobić to w całości.</p>"}},{"@type":"Question","name":"Co się stanie, jeżeli po 30 dniach nie spłacisz zakupów?","acceptedAnswer":{"@type":"Answer","text":"<ul>\n<li>Transakcja, której nie spłacisz po 30 dniach, staje się tzw. zadłużeniem przeterminowanym – od tego momentu zablokujemy PKO Płacę później. Usługa zacznie automatycznie działać, gdy spłacisz zadłużenie i spełnisz warunki określone w <a title=\"Otwórz regulamin\" href=\"https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf\" target=\"_blank\" rel=\"noopener\">Regulaminie</a></li>\n<li>Od zadłużenia przeterminowanego naliczamy i pobieramy odsetki ustawowe za opóźnienie w wysokości sumy stopy referencyjnej NBP i 5,5 p.p.</li>\n<li><span style=\"color: #000000;\">Wysokość oprocentowania od zadłużenia przeterminowanego na 05.10.2023 to 11,25%</span>. <a href=\"https://www.pkobp.pl/oprocentowanie\">Dowiedz się więcej</a></li>\n<li>Zadłużenia przeterminowanego nie możesz spłacić samodzielnie – zrobimy to automatycznie. Wystarczy, że zapewnisz odpowiednią kwotę pieniędzy na koncie do spłaty – jeżeli jej nie będzie, spróbujemy pobrać spłatę w kolejnym dniu</li>\n</ul>"}},{"@type":"Question","name":"Czy dostanę przypomnienie o spłacie?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, wysyłamy bezpłatne powiadomienia, m.in. o zbliżającym się terminie spłaty.</p>"}},{"@type":"Question","name":"Co się stanie, jeśli na koncie do spłaty mam za mało pieniędzy na automatyczną spłatę?","acceptedAnswer":{"@type":"Answer","text":"<p>W takiej sytuacji pobierzemy wszystkie dostępne pieniądze i zablokujemy usługę. Kwota, której brakuje, stanie się zadłużeniem przeterminowanym. Dlatego pamiętaj, żeby na koncie do spłaty zapewnić odpowiednią kwotę.</p>"}},{"@type":"Question","name":"Dlaczego po wybraniu Płacę z iPKO nie widzę opcji PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>Sprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później.</p>"}},{"@type":"Question","name":"Dlaczego po wybraniu płatności z PKO Bankiem Polskim nie widzę opcji PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>W takim przypadku wybierz płatność BLIKIEM, a potem skorzystaj z usługi PKO Płacę później.</p>"}},{"@type":"Question","name":"Dlaczego po wybraniu BLIKA nie widzę opcji PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>Sprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później. Upewnij się, że nie robisz zakupów bez kodu BLIK z automatycznym potwierdzaniem – wtedy PKO Płacę później nie działa.</p>"}},{"@type":"Question","name":"Jak długo działa usługa PKO Płacę później od momentu aktywacji?","acceptedAnswer":{"@type":"Answer","text":"<p>Limit jest ważny 12 miesięcy i odnawia się automatycznie, jeżeli spełnisz warunki określone w <a title=\"Otwórz regulamin\" href=\"https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf\" target=\"_blank\" rel=\"noopener\">Regulaminie</a></p>"}},{"@type":"Question","name":"Czy mogę zwiększyć aktywny limit PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, limit możesz zwiększyć maks. <strong>do</strong> <strong>2 000 zł.</strong> Jeżeli chcesz złożyć wniosek o zwiększenie limitu:</p>\n<ol>\n<li>Wybierz PKO Płacę później w aplikacji IKO lub serwisie iPKO</li>\n<li>Rozwiń <strong>menu</strong><strong> </strong>(ikona 3 kropek) przy nazwie usługi</li>\n<li>Wybierz <strong>Zwiększ limit do wykorzystania</strong></li>\n</ol>\n<p>Wniosek możesz złożyć też w oddziale lub na infolinii.</p>\n<p>Podwyższenie kwoty limitu PKO Płacę później zależy od oceny zdolności kredytowej.</p>"}},{"@type":"Question","name":"Mam konto wspólne – czy mogę dla niego włączyć więcej niż jeden limit PKO Płacę później?","acceptedAnswer":{"@type":"Answer","text":"<p>Aktywacja usługi PKO Płacę później zależy od pozytywnej oceny zdolności kredytowej. Jeśli taką macie, każde z Was może aktywować usługę.</p>"}},{"@type":"Question","name":"Jak mogę zrezygnować z usługi?","acceptedAnswer":{"@type":"Answer","text":"<p>W serwisie iPKO lub aplikacji IKO:</p>\n<ol>\n<li>Rozwiń menu (ikonka 3 kropek) przy nazwie usługi</li>\n<li>Kliknij <strong>Zrezygnuj z usługi</strong></li>\n</ol>\n<p>Po wyłączeniu usługi:</p>\n<ul>\n<li>nie możesz już pobrać potwierdzenia swoich płatności – dlatego zrób to <strong>przed rezygnacją</strong></li>\n<li>historię płatności możesz otrzymać w dowolnym oddziale</li>\n</ul>"}},{"@type":"Question","name":"Jak mogę odstąpić od umowy?","acceptedAnswer":{"@type":"Answer","text":"<p>Możesz odstąpić od umowy PKO Płacę później bez podawania przyczyny <strong>do 14 dni</strong> od jej zawarcia:</p>\n<ul>\n<li>w serwisie iPKO lub aplikacji IKO – wybierz <strong>PKO Płacę później</strong>, rozwiń <strong>menu</strong> (ikona 3 kropek) i kliknij <strong>Zrezygnuj z usługi</strong> → <strong>Odstąp od umowy</strong></li>\n<li>na infolinii</li>\n<li>podczas wizyty w naszym oddziale</li>\n<li>pisemnie – wyślij nam oświadczenie (<a title=\"Pobierz wzór oświadczenia\" href=\"https://www.pkobp.pl/api/public/8f57848b-c850-4ccb-9e39-35e0ab979c22.pdf\" target=\"_blank\" rel=\"noopener\">przykładowy wzór oświadczenia z podanym adresem</a>)</li>\n</ul>"}},{"@type":"Question","name":"Czy po odmowie aktywacji usługi PKO Płacę później mogę ponownie złożyć wniosek?","acceptedAnswer":{"@type":"Answer","text":"<p>Tak, ale nie ma pewności, że umożliwimy Ci korzystanie z usługi. Warunkiem aktywacji usługi jest spełnienie warunków określonych w <a title=\"Otwórz regulamin\" href=\"https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf\" target=\"_blank\" rel=\"noopener\">Regulaminie</a> i posiadanie zdolności kredytowej</p>"}}]}</script><meta name="next-head-count" content="17"/><link rel="shortcut icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><link rel="apple-touch-icon" href="/static/redesign/_front/_img/_layout/favicon_new.png"/><meta name="msapplication-TileColor" content="#3074D5"/><meta name="theme-color" content="#003574"/><link rel="preload" href="/_next/static/css/db9be11e725027ca.css" as="style"/><link rel="stylesheet" href="/_next/static/css/db9be11e725027ca.css" data-n-g=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js"></script><script defer="" src="/_next/static/chunks/9072.6d9178acf2c135e4.js"></script><script defer="" 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pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.3333333333333333; } @media (min-width:900px) { .jss37 { font-size: 24px; line-height: 1.3333333333333333; } } .jss37 a { color: inherit; text-decoration: none; } .jss38 { width: 100%; padding: 12px 34px 10px 26px; margin-right: -40px; } @media (min-width:1024px) { .jss38 { padding: 0; } } .jss39 { top: 0; right: 0; width: 48px; height: 48px; padding: 0; } .jss39:hover { background: none; } .jss39 svg { fill: #003574; width: 100%; height: 100%; } .jss42 { padding-top: 0; } .jss43 { padding: 0 48px 40px 48px; margin-right: 0; } .jss44 { } @media (max-width:639.95px) { .jss44 { min-width: 300px; } } @media (min-width:640px) { .jss44 { width: auto; max-width: 1044px; } } .jss45 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss45 { align-items: start; } } @media (max-width:639.95px) { .jss45 { padding-left: 16px; } } .jss46 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss46 { padding-left: 24px; padding-right: 24px; } } .jss47 { padding-top: 16px; } @media (min-width:640px) { .jss47 { padding-top: 24px; } } .jss48 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss48 { top: 5px; } } .jss49 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss49 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss49 { } .jss49 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss49::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss49::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss49::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss49::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss49::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss75 { } @media (max-width:639.95px) { .jss75 { min-width: 300px; } } @media (min-width:640px) { .jss75 { width: auto; max-width: 1044px; } } .jss76 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss76 { align-items: start; } } @media (max-width:639.95px) { .jss76 { padding-left: 16px; } } .jss77 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss77 { padding-left: 24px; padding-right: 24px; } } .jss78 { padding-top: 16px; } @media (min-width:640px) { .jss78 { padding-top: 24px; } } .jss79 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss79 { top: 5px; } } .jss80 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss80 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss80 { } .jss80 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss80::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss80::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss80::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss80::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss80::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss182 { } @media (max-width:639.95px) { .jss182 { min-width: 300px; } } @media (min-width:640px) { .jss182 { width: auto; max-width: 1044px; } } .jss183 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss183 { align-items: start; } } @media (max-width:639.95px) { .jss183 { padding-left: 16px; } } .jss184 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss184 { padding-left: 24px; padding-right: 24px; } } .jss185 { padding-top: 16px; } @media (min-width:640px) { .jss185 { padding-top: 24px; } } .jss186 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss186 { top: 5px; } } .jss187 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss187 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss187 { } .jss187 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss187::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss187::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss187::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss187::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss187::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss348 { } @media (max-width:639.95px) { .jss348 { min-width: 300px; } } @media (min-width:640px) { .jss348 { width: auto; max-width: 1044px; } } .jss349 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss349 { align-items: start; } } @media (max-width:639.95px) { .jss349 { padding-left: 16px; } } .jss350 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss350 { padding-left: 24px; padding-right: 24px; } } .jss351 { padding-top: 16px; } @media (min-width:640px) { .jss351 { padding-top: 24px; } } .jss352 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss352 { top: 5px; } } .jss353 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss353 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss353 { } .jss353 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss353::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss353::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss353::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss353::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss353::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss354 { } @media (max-width:639.95px) { .jss354 { min-width: 300px; } } @media (min-width:640px) { .jss354 { width: auto; max-width: 1044px; } } .jss355 { align-items: center; padding-left: 16px; justify-content: space-between; } @media (max-width:1023.95px) { .jss355 { align-items: start; } } @media (max-width:639.95px) { .jss355 { padding-left: 16px; } } .jss356 { padding-left: 16px; padding-right: 16px; } @media (min-width:640px) { .jss356 { padding-left: 24px; padding-right: 24px; } } .jss357 { padding-top: 16px; } @media (min-width:640px) { .jss357 { padding-top: 24px; } } .jss358 { top: 6px; right: 3px; width: 40px; height: 40px; padding: 0; transform: scale(1.1); } @media (max-width:639.95px) { .jss358 { top: 5px; } } .jss359 { margin-right: 6px; padding-left: 16px; padding-right: calc(16px - 6px); scrollbar-gutter: stable; } @media (min-width:640px) { .jss359 { padding-left: 24px; padding-right: calc(24px - 6px); } } @supports (-moz-appearance:none) { .jss359 { } .jss359 { scrollbar-color: #003574 #E5E5E5; scrollbar-width: thin; } } .jss359::-webkit-scrollbar { width: 3px; cursor: grab; height: 3px; scrollbar-color: auto; scrollbar-width: auto; } .jss359::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0; background-color: #E5E5E5; } .jss359::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss359::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss359::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss257 .MuiPaper-root { max-width: 640px; min-width: 290px; min-height: 102px; word-break: break-word; } @media (max-width:639.95px) { .jss257 .MuiPaper-root { width: 100%; margin: 15px; max-width: calc(100% - 32px); min-width: unset; } } .jss258 { text-align: left; padding-top: 16px; padding-bottom: 2px; } @media (max-width:639.95px) { .jss258 { padding-left: 0; } } .jss259 { font-size: 16px; } .jss260 { padding: 16px 24px 16px 16px; } .jss261 { top: 0; right: 0; width: 40px; height: 40px; position: absolute; } .jss262 { color: #000; border: 1px solid #B7B7B7; padding: 15px; position: absolute; font-size: 14px; background: #fff; box-shadow: 0px 3px 6px #00000029; margin-top: 18px; font-weight: 300; border-radius: 10px; } .jss262::before, .jss262::after { left: calc(50% - 8px); width: 0; height: 0; content: " "; display: block; position: absolute; margin-top: -8px; border-style: solid; } .jss262::before { top: 0; border-color: transparent transparent #B7B7B7 transparent; border-width: 0 8px 8px 8px; } .jss262::after { top: 1px; border-color: transparent transparent #fff transparent; border-width: 0 8px 8px 8px; } .jss203 { clip: rect(0, 0, 0, 0) !important; width: 1px !important; border: 0 !important; height: 1px !important; margin: -1px !important; padding: 0 !important; overflow: hidden !important; position: absolute !important; clip-path: inset(50%) !important; white-space: nowrap !important; } .jss169 { color: #000; border: 1px solid transparent; cursor: pointer; display: inline-flex; padding: 11px 16px; font-size: 16px; min-width: 180px; background: transparent; box-sizing: border-box; margin-top: 8px; min-height: 48px; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-radius: 0; margin-bottom: 8px; text-transform: none; justify-content: center; text-decoration: none; } .jss169::selection { background: transparent; } .jss169:disabled { color: #636363; pointer-events: none; } .jss170 { color: #ffffff; background: #003574; border-color: #003574; border-radius: 10px 0px; } .jss170:hover, .jss170:focus { background: #004C9A; border-color: #004C9A; } .jss171 { color: #000000; padding: 11px 13px; background: #ffffff; min-height: 40px; line-height: 1; border-color: #003574; border-radius: 10px 10px; } .jss171:hover, .jss171:focus { color: #ffffff; background: #004C9A; border-color: #004C9A; } .jss172 { color: #ffffff; background: #DB912C; border-color: #DB912C; border-radius: 10px 0px; } .jss172:hover, .jss172:focus { background: #CC7A09; border-color: #CC7A09; } .jss173 { color: #000000; background: #ffffff; border-color: #E5E5E5; border-radius: 10px 10px; } .jss173:hover, .jss173:focus { background: #F9F9F9; border-color: #E5E5E5; } .jss174 { color: #000000; padding: 11px 13px; background: #ffffff; min-height: 40px; line-height: 1; border-color: #DB912C; border-radius: 10px 10px; } .jss174:hover, .jss174:focus { color: #ffffff; background: #CC7A09; border-color: #CC7A09; } .jss175 { color: #ffffff; padding: 7px 16px; font-size: 14px; min-width: 135px; background: #DB912C; min-height: 32px; line-height: 1.1428571428571428; border-color: #DB912C; border-radius: 4px 4px; } .jss175:hover, .jss175:focus { background: #CC7A09; border-color: #CC7A09; } .jss176 { color: #000; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss176:hover, .jss176:focus { color: #003574; } .jss176 .jss181 { transform: translateY(3px); } .jss177 { color: #003574; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss177:hover, .jss177:focus { color: #004C9A; } .jss177 .jss181 { transform: translateY(3px); } .jss178 { color: #636363; border: 0; display: inline; padding: initial; font-size: 16px; min-width: auto; background: transparent; margin-top: 0; min-height: auto; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.25; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; } .jss178:hover, .jss178:focus { color: #003574; } .jss178 .jss181 { transform: translateY(3px); } .jss179 { color: #000000; padding: 11px 13px; background: #F9F9F9; min-height: 40px; line-height: 1; border-color: #2E7D49; border-radius: 10px 10px; } .jss179:hover, .jss179:focus { color: #ffffff; background: #2E7D49; border-color: #2E7D49; } .jss180 { width: 100%; display: inline-flex; } .jss181 { height: 20px; display: inline-block; margin-left: 12px; } .jss368 { border: none; background: transparent; box-shadow: none; } .jss369 { margin-top: 4px !important; } .jss369::before { display: none; } .jss369 .jss373 { margin-left: 0px !important; } .jss369 .jss370 { align-items: center; margin-bottom: 22px; justify-content: center; } .jss369 .jss376 { padding: 13px 0; line-height: 1; } .jss369 .jss374 { margin-bottom: 24px; } .jss369 .jss374 ul { margin-top: 0px; text-align: left; margin-left: 0px; } .jss369.jss369 .jss374 ul li { padding-left: 6px; margin-bottom: 4px; } .jss370 { padding: 0; min-height: 24px !important; justify-content: flex-start; } .jss371 { justify-content: space-between; } @media (max-width:639.95px) { .jss371 { gap: 15px; padding-right: 0; } } .jss372 { margin: 0 !important; flex-grow: initial !important; } .jss373 { margin-left: 8px; } .jss374 { padding: 0; } @media (max-width:639.95px) { .jss374 { font-size: 16px; font-weight: 300; } } .jss375 { margin-top: 29px; } .jss376 { margin: 0; } @media (max-width:1023.95px) { .jss376 { font-size: 14px; } } .jss377 { font-size: 16px; font-weight: 600; line-height: 24px; } .jss378 { width: 24px; border: none; cursor: pointer; height: 24px; margin: 0; padding: 0; background: transparent; } .jss1 { top: auto; left: -999px; width: 1px; height: 1px; position: absolute; } .jss1:focus { top: 0; left: 0; color: #fff; width: auto; height: auto; margin: auto; display: inline-block; outline: none; padding: 3px; z-index: 1040; position: absolute; font-size: 12px; background: #004C9A; border-bottom-right-radius: 4px; } .jss302 ul { margin: 0; } .jss303 { display: none; } .jss304 { width: 72px; height: 72px; min-width: 72px; } @media (min-width:1024px) { .jss304 { width: 96px; height: 96px; min-width: 96px; } } .jss304 img { width: 100%; height: 100%; object-fit: unset; } .jss304 .next-image-classname { width: 100%; height: 100%; } .jss304 .next-image-classname span { width: 100% !important; height: 100% !important; } .jss305 { padding-top: 4px; } @media (min-width:640px) { .jss305 { padding-top: 16px; } } .jss306 { margin: 0; font-size: 18px; text-align: center; font-weight: 400; line-height: 1.5; } @media (min-width:640px) { .jss306 { font-size: 20px; text-align: left; line-height: 32px; } } .jss307 { margin: 0; text-align: center; font-weight: 300; line-height: 1.5; padding-top: 4px; } @media (min-width:640px) { .jss307 { text-align: left; padding-top: 0; } } .jss308 { align-self: center; margin-top: 1px !important; } @media (min-width:640px) { .jss308 { align-self: start; margin-top: 0 !important; } } .jss299 { padding: 42px 120px 0 120px; margin-bottom: 0; } @media (max-width:1279.95px) { .jss299 { padding: 42px 0 0 0; } } @media (max-width:639.95px) { .jss299 { padding: 12px 0 0 0; } } .jss300 { display: flex; justify-content: center; } .jss301 { width: 100%; max-width: 320px; } @media (min-width:1024px) { .jss294 { width: calc(100% + 15px + 15px); margin: 0 -15px; } } .jss295 { font-size: 20px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 0; letter-spacing: 0; } @media (min-width:900px) { .jss295 { font-size: 32px; line-height: 1.25; } } .jss295 a { color: inherit; text-decoration: none; } @media (max-width:1023.95px) { .jss295 { font-size: 24px; line-height: 32px; } } .jss296 { margin-top: 0; font-weight: 300; margin-bottom: 11px; } .jss297 { margin-top: 15px; font-weight: 300; margin-bottom: 0; } @media (min-width:1024px) { .jss297 { margin-top: 19px; } } @media (min-width:1280px) { .jss297 { margin-top: 23px; } } .jss298 { overflow: hidden; margin-top: 16px; } @media (min-width:1024px) { .jss298 { margin-top: 24px; } } @media (min-width:1280px) { .jss298 { margin-top: 42px; } } .jss298 .slick-list { overflow: visible; max-width: 76vw; } .jss298 .slick-track { height: auto; display: flex; } .jss298 .slick-initialized .slick-slide { height: auto; display: flex; } .jss298 .slick-dots { margin: 16px 16px 0 0; } .jss298 .slick-dots li { height: 40px; display: flex; align-items: center; } @media (min-width:640px) { .jss298 { width: 100%; display: flex; overflow: unset; flex-wrap: wrap; flex-direction: row; justify-content: center; } } .jss208 .MuiPaper-root { max-width: 810px; min-width: 600px; } .jss208 .MuiDialogContent-root { padding: 0 95px 48px 105px; min-width: 390px; } @media (max-width:1023.95px) { .jss208 .MuiDialogContent-root { padding: 0 30px 48px 30px; min-width: unset; } } @media (max-width:639.95px) { .jss208 .MuiDialogContent-root { padding: 0 16px 48px 16px; min-width: unset; } } @media (max-width:1023.95px) { .jss208 .MuiPaper-root { width: 100%; max-width: 100%; min-width: unset; } } .jss209 .MuiDialogContent-root { padding: 0 95px 118px 105px; } .jss209 .MuiDialogContent-root::-webkit-scrollbar-track { border: 1px solid white; margin: 8px 0 108px 0; background-color: #E5E5E5; } @media (max-width:1023.95px) { .jss209 .MuiDialogContent-root { padding: 0 30px 118px 30px; } } @media (max-width:639.95px) { .jss209 .MuiDialogContent-root { padding: 0 16px 118px 16px; } } .jss210 h2 { margin: -10px 0 0 0 !important; font-size: 24px; line-height: 32px; } @media (max-width:1023.95px) { .jss211 { margin-top: 16px; } } .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 16px 0; font-size: 20px; font-weight: 400; line-height: 24px; } .jss211 h1 { margin: 0 0 12px 0; font-size: 24px; margin-top: 16px !important; font-weight: 400; line-height: 32px; } .jss211 p { margin-top: 0px; font-weight: 300; line-height: 24px; margin-bottom: 8px; } .jss211 span { line-height: 1; } .jss211 ul { margin-bottom: 24px; } .jss211 a { font-weight: 400; } .jss211 ul[style="list-style-type: checks;"] { padding-left: 26px; } .jss211 ol { margin-top: 17px; padding-left: 2px; } .jss211 img { margin-top: 8px; } .jss211 li { font-weight: 300; } .jss211 ol li { line-height: 24px; padding-bottom: 8px; } @media (max-width:1023.95px) { .jss211 ol li { line-height: 20px; } } .jss211 ol li ol { padding-left: 1px; } .jss211 ol li li { padding-bottom: 8px; } .jss211 ul[style="list-style-type: checks;"] li { line-height: 20px; padding-top: 2px; margin-bottom: 21px; } .jss211 ul[style="list-style-type: checks;"] li strong { display: inline-block; margin-bottom: 6px; } @media (max-width:1023.95px) { .jss211 ul { margin-top: 13px; line-height: 20px; } } .jss211 ul li { padding-bottom: 6px; } .jss211 ul ul li { line-height: 23.8px; } @media (max-width:1023.95px) { .jss211 p { line-height: 20px; margin-bottom: 0px; } } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 40px !important; } @media (max-width:1023.95px) { .jss211 h2, .jss211 h3, .jss211 h4, .jss211 h5, .jss211 h6 { margin: 0 0 13px 0; font-size: 18px; line-height: 24px; } .jss211 h2:not(:first-child), .jss211 h3:not(:first-child), .jss211 h4:not(:first-child), .jss211 h5:not(:first-child), .jss211 h6:not(:first-child) { margin-top: 16px !important; } } .jss212 { gap: 30px; left: 0; width: 100%; bottom: 0; height: 96px; display: flex; opacity: 1; padding: 0 16px; position: absolute; background: #ffffff; border-top: solid 1px #E5E5E5; box-shadow: 0px -3px 6px #81818114; align-items: center; justify-content: center; } .jss212 button, .jss212 a { width: auto; height: 48px; display: block; padding: 14px 15px; overflow: hidden; min-width: 100px; text-align: center; line-height: 20px; white-space: nowrap; padding-left: 16px; text-overflow: ellipsis; } @media (max-width:1023.95px) { .jss212 { gap: 16px; height: 80px; } .jss212 button, .jss212 a { width: 100%; max-width: 288px; min-width: unset; } } @media (max-width:639.95px) { .jss212 button, .jss212 a { max-width: unset; } } @media (min-width:640px) { .jss419 { width: 100%; display: inline-block; min-height: 28px; } } @media (min-width:1280px) { .jss419 { padding: 2px 0; } } .jss420 { font-size: 14px; white-space: normal; } @media (max-width:1023.95px) { .jss420 { line-height: 12px; } } @media (min-width:1280px) { .jss420 { margin: 0; font-size: 16px; } } .jss438 { margin: 0 17px; display: inline-block; max-width: 128px; max-height: 56px; } @media (min-width:640px) { .jss438 { margin-top: -1px; margin-bottom: -1px; } } @media (min-width:1024px) { .jss438 { margin: 0; } } .jss438:first-of-type { margin-left: 0; } .jss438:last-of-type { margin-right: 0; } .jss438 img.no-next-image-classname { max-width: 128px; max-height: 56px; } .jss438 .next-image-classname img { min-width: unset !important; max-height: 56px !important; min-height: unset !important; } .jss434 { margin-top: 0; margin-bottom: 20px; } .jss434>p { font-size: 18px; text-align: center; line-height: 1.3333333333333333; } @media (min-width:1280px) { .jss434 { width: 261px; display: flex; margin-top: 0; align-items: center; margin-bottom: 0; } } .jss435 { margin: 0; font-size: 18px; line-height: 24px; } @media (max-width:639.95px) { .jss435 { text-align: center; } } .jss436 { color: inherit; text-decoration: none; } .jss437 { cursor: pointer; } @media (min-width:1280px) { .jss429 { display: flex; justify-content: flex-start; } } .jss430 { color: inherit; text-decoration: none; } .jss431 { cursor: pointer; } @media (min-width:1280px) { .jss432 { width: calc(100% - 261px); } } .jss433 { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; } .jss410 { width: 100%; display: flex; align-items: center; } .jss411 { width: 0; height: 1px; display: block; flex-grow: 0; flex-shrink: 0; background-color: transparent; } @media (min-width:1024px) { .jss411 { left: 0; width: 100%; z-index: 0; position: absolute; flex-grow: 1; flex-shrink: 1; background-color: #E5E5E5; } } .jss412 { flex: 0 0 1230px; border: 1px solid #E5E5E5; margin: 0; display: flex; padding: 24px 20px 60px; z-index: 1; max-width: 100%; min-height: 104px; align-items: center; border-radius: 16px; flex-direction: column; background-size: auto 55px; background-color: #fff; background-repeat: no-repeat; background-position: 50% bottom; } @media (min-width:640px) { .jss412 { padding: 0 30px 16px 100px; flex-wrap: wrap; flex-direction: row; background-size: 88px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } @media (min-width:1024px) { .jss412 { padding: 0 60px 0 102px; flex-wrap: nowrap; background-size: 102px auto; background-color: #fff; background-repeat: no-repeat; background-position: left 50%; } } .jss413 { font-size: 14px; margin-top: 0; font-weight: 300; line-height: 20px; margin-bottom: 0; } .jss414 { color: #003574; border: 0; cursor: pointer; display: inline; padding: initial; font-size: 24px; min-width: auto; background: transparent; box-sizing: border-box; margin-top: 0; min-height: auto; transition: background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; align-items: center; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-left: -10px; border-color: transparent; border-radius: 0; margin-bottom: 0; text-transform: none; justify-content: center; text-decoration: none; } .jss414::selection { background: transparent; } .jss414:disabled { color: #636363; pointer-events: none; } .jss414:hover, .jss414:focus { color: #004C9A; } .jss414 eng { transform: translateY(3px); } @media (min-width:640px) { .jss414 { margin-left: 0; } } .jss415 { width: 100%; padding: 0 0 16px 0; text-align: center; border-bottom: 1px solid #E5E5E5; margin-bottom: 5px; } @media (min-width:640px) { .jss415 { margin: 0 30px 0 30px; padding: 20px 0 10px 0; text-align: left; border-bottom: 1px solid #E5E5E5; } } @media (min-width:1024px) { .jss415 { width: auto; margin: 0; padding: 5px 60px 2px 30px; border-right: 1px solid #E5E5E5; border-bottom: none; } } @media (min-width:1280px) { .jss415 { flex-shrink: 0; } } .jss416 { color: #000; width: calc(100% - 14px); margin: 12px 8px 0 25px; display: flex; align-items: center; text-decoration: none; } @media (min-width:640px) { .jss416 { width: calc(50% - 60px); margin: 16px 0 0px 30px;; } } @media (min-width:1024px) { .jss416 { width: auto; margin: 16px 0 16px 45px; } } @media (min-width:1280px) { .jss416 { margin-left: 60px; } .jss416:nth-of-type(2) { padding-left: 10px; } } .jss416:hover { color: #003574; } .jss417 { width: 32px; height: 32px; flex-grow: 0; flex-shrink: 0; } @media (min-width:1024px) { .jss417 { width: 40px; height: 40px; } } .jss417 > img { max-width: 100%; max-height: 100%; } .jss417 .next-image-classname span { width: 32px !important; height: 32px !important; } @media (min-width:1024px) { .jss417 .next-image-classname span { width: 40px !important; height: 40px !important; } } .jss418 { font-size: 14px; transition: color 0.3s ease-in-out; line-height: 20px; margin-left: 16px; } @media (min-width:640px) { .jss418 { margin-left: 8px; } } @media (min-width:640px) { .jss422 { display: flex; justify-content: flex-end; } } .jss423 { color: inherit; display: block; text-decoration: none; } @media (min-width:640px) { .jss423 { width: 100%; max-width: 246px; } } @media (min-width:1024px) { .jss423 { max-width: 290px; } } .jss423 a { text-decoration: none; } .jss424 { color: #636363; margin: 0; font-size: 14px; font-weight: 500; line-height: 24px; margin-bottom: 15px; } .jss424:last-child { margin-bottom: 0; } .jss425 { color: #636363; margin: 0; font-size: 16px; font-weight: 500; line-height: 20px; } .jss425:hover { color: #003574; } .jss426 { color: #000; font-size: 14px; font-weight: 300; } .jss427 { padding: 8px 36px 8px 30px; background: #F9F9F9; margin-top: 4px; border-radius: 8px; } @media (min-width:1024px) { .jss427 { padding-top: 11px; } } .jss428 { width: 100%; } .jss428 thead td { font-size: 12px !important; font-weight: 300; } .jss428 thead td, .jss428 tbody td { font-size: 14px; line-height: 20px; padding-left: 0; padding-right: 1px; } .jss428 thead td:first-of-type, .jss428 tbody td:first-of-type { width: 20%; font-weight: 300; } .jss428 thead td:not(:first-of-type), .jss428 tbody td:not(:first-of-type) { width: 39%; text-align: right; } .jss213 { gap: 8px; margin: 0 1px; display: flex; margin-top: 21px; align-items: center; } @media (min-width:1280px) { .jss213 { height: 24px; } } @media (max-width:1023.95px) { .jss213 { display: none; } } .jss214 { color: #000000; overflow: hidden; font-size: 12px; max-width: 20%; transition: color 0.3s ease-in-out; font-weight: 300; line-height: 14px; white-space: nowrap; text-overflow: ellipsis; text-decoration: none; } .jss214:hover { color: #003574; } .jss215 svg { width: 23px; height: 23px; } .jss215 svg:hover path { fill: #003574; } .jss215 svg path { fill: #818181; stroke: none; transition: fill 0.3s ease-in-out; } .jss216 { color: #636363; } .jss216:hover { color: #636363; } .jss276 { width: 870px; border: 1px solid; margin: 0 auto; display: flex; overflow: hidden; max-width: 100%; box-shadow: 0px 4px 12px #00000014; align-items: center; border-color: #E5E5E5; border-radius: 16px; } @media (max-width:639.95px) { .jss276 { width: 100%; flex-direction: column; } } .jss278 { margin: 0 auto; } .jss279 { color: inherit; transition: box-shadow 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; text-decoration: none; } .jss279:hover { box-shadow: 0px 16px 32px #0000000F; } .jss280 { width: 100%; max-width: 1230px; } .jss281 { width: 100%; padding: 23px 104px 23px 47px; max-width: 1230px; box-shadow: 0px 16px 32px #0000000F; border-radius: 12px; } @media (max-width:1023.95px) { .jss281 { padding: 23px; flex-direction: column; } } @media (max-width:639.95px) { .jss281 { padding: 0; } } .jss281 .jss287 { margin-top: 9px; } .jss281 .jss288 { width: 100%; max-width: 292px; } @media (max-width:1023.95px) { .jss281 .jss288 { order: 1; padding: 36px 24px 0 24px; max-width: 100%; min-width: unset; } .jss281 .jss288 img { width: auto !important; max-width: 100% !important; max-height: 96px !important; } } @media (max-width:1023.95px) { .jss281 .jss284 { order: 2; } } @media (min-width:1024px) { .jss281 .jss284 { padding: 0 0 0 80px; max-width: calc(100% - 292px); } } .jss282 { gap: 16px; width: 100%; padding: 32px 32px 30px 32px; max-width: 1230px; box-shadow: 0px 16px 32px #0000000F; align-items: start; border-radius: 12px; } @media (max-width:1023.95px) { .jss282 { gap: 3px; width: 100%; padding: 17px 12px 15px 16px; align-items: center; flex-direction: row; } } .jss282 .jss290 { margin-bottom: 30px; } .jss282 .jss287 { margin-top: 0; } .jss282 .jss286 { margin-top: 25px; } .jss282 .jss291 { margin-top: 25px; } .jss282 .jss288 { max-width: unset; min-width: 276px; } @media (max-width:1279.95px) { .jss282 .jss288 { max-width: 166px; min-width: unset; } .jss282 .jss288 img { width: auto !important; max-width: 166px !important; } } @media (max-width:1023.95px) { .jss282 .jss288 { order: 2; max-width: 92px; min-width: unset; margin-left: auto; margin-right: auto; justify-content: center; } .jss282 .jss288 img { width: auto !important; max-width: 92px !important; } } @media (max-width:1023.95px) { .jss282 .jss291 { margin-top: 8px; } } @media (max-width:1023.95px) { .jss282 .jss286 { margin-top: 9px; font-weight: 300; } } @media (max-width:1023.95px) { .jss282 .jss287 { font-size: 16px; margin-top: 8px; font-weight: 600; line-height: 20px; margin-bottom: 0; } } @media (max-width:1023.95px) { .jss282 .jss290 { padding: 3px 6px 2px 6px; margin-bottom: 3px; } } @media (min-width:1024px) { .jss282 .jss284 { padding: 0; flex-grow: 1; max-width: unset; margin-top: -4px; } } @media (max-width:1023.95px) { .jss282 .jss284 { width: 100%; padding: 0; max-width: 100%; font-weight: 300; } } .jss283 { cursor: pointer; } .jss284 { padding: 40px 25px 40px 29px; max-width: 55%; } @media (max-width:1023.95px) { .jss284 { width: 100%; padding: 24px; max-width: 100%; } } .jss284 > :first-child { margin-top: 0; } .jss285 { letter-spacing: 1.65px; text-transform: none; } .jss286 { margin-top: 20px; font-weight: 300; line-height: 20px; } @media (max-width:639.95px) { .jss286 { margin-top: 4px; font-weight: 400; } } .jss286 ul[style="list-style-type: checks;"] { list-style: none; text-align: left; padding-left: 22px; } .jss286 ul[style="list-style-type: checks;"] li { position: relative; line-height: 24px; padding-left: 6px; margin-bottom: 20px; padding-bottom: 0px; list-style-type: none; } .jss286 ul[style="list-style-type: checks;"] li::before { top: 4px; left: -22px; width: 16px; height: 16px; content: " "; position: absolute; background: url(/_next/static/media/icon_green_check.56ec3590.svg); } .jss287 { font-size: 32px; margin-top: 11px; font-weight: normal; line-height: 1.25; margin-bottom: 0; } @media (max-width:1023.95px) { .jss287 { font-size: 24px; margin-top: 8px; line-height: 32px; margin-bottom: 0; } } .jss288 { width: 390px; display: flex; max-width: 45%; } @media (max-width:1023.95px) { .jss288 { max-width: 100%; } } @media (max-width:639.95px) { .jss288 { order: 2; margin-left: auto; margin-right: auto; justify-content: center; } } .jss288 img { width: auto; max-width: 100%; } .jss289 { order: 2; margin-left: auto; } .jss290 { display: inline-block; padding: 3px 6px; font-size: 14px; line-height: 1.1; border-radius: 4px; margin-bottom: 6px; text-transform: capitalize; } @media (max-width:639.95px) { .jss290 { margin-bottom: 3px; } } .jss291 { margin-top: 22px; } .jss291 ul[style="list-style-type: checks;"] { padding-left: 24px; } .jss291 ul[style="list-style-type: checks;"] li { padding-left: 8px; margin-bottom: 12px; } .jss291 p:last-child { margin-bottom: 0; } @media (max-width:1023.95px) { .jss291 p:first-child { margin-top: 0; } } .jss291 ul[style="list-style-type: checks;"] li:last-of-type { margin-bottom: 0px; } .jss292 { border-color: #3074D5; } .jss293 { background-color: #3074D5; color: #fff; } .jss393 { border-color: #3074D5; } .jss394 { background-color: #3074D5; color: #fff; } .jss395 { border-color: #3074D5; } .jss396 { background-color: #3074D5; color: #fff; } .jss360 { max-width: 915px; margin-left: auto; margin-right: auto; } .jss360>ul { padding: 0; list-style-type: none; } .jss360>ul ul { list-style-type: disc; } .jss360>ul ul ul { list-style: none; margin-top: 8px; padding-left: 20px; } .jss360>ul ul ul ul { list-style-type: square; } .jss360>ul ul ul ul li { list-style-type: square; } .jss360>ul ul ul ul li::before { content: none; } .jss360>ul ul ul li { position: relative; line-height: 24px; padding-left: 0px; padding-bottom: 0px; list-style-type: none; } .jss360>ul ul ul li::before { top: 9px; left: -20px; width: 6px; height: 6px; content: " "; position: absolute; background-size: cover; background-image: url(/_next/static/media/icon_circle.cb924b72.svg); background-repeat: no-repeat; } .jss361 { margin-bottom: 19px; } @media (min-width:640px) { .jss361 { margin-bottom: 40px; } } .jss362 { margin-top: 0; font-weight: 300; margin-bottom: 11px; } .jss363 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 0; } @media (min-width:900px) { .jss363 { font-size: 32px; line-height: 1.25; } } .jss363 a { color: inherit; text-decoration: none; } @media (min-width:1024px) { .jss363 { font-size: 32px; line-height: 40px; margin-bottom: 0; } } .jss364 { margin-top: 15px; font-weight: 300; margin-bottom: 0; } @media (min-width:1024px) { .jss364 { margin-top: 19px; } } @media (min-width:1280px) { .jss364 { margin-top: 23px; } } .jss365 { font-size: 16px; font-weight: bold; } .jss366 { color: rgba(0, 0, 0, 0.87); margin-top: 15px; } @media (min-width:1024px) { .jss366 { margin-top: 19px; } } @media (min-width:1280px) { .jss366 { margin-top: 23px; } } .jss367 { border-top: 1px solid #E5E5E5; padding-top: 28px; padding-bottom: 27px; } .jss367:last-of-type { border-bottom: 1px solid #E5E5E5; } @media (max-width:639.95px) { .jss367 { padding-top: 24px; padding-bottom: 23px; } } .jss345 { top: 0; left: 0; right: 0; bottom: 0; display: flex; position: absolute; align-items: center; justify-content: center; } .jss346 { width: 86px; border: none; cursor: pointer; height: 86px; display: flex; position: relative; background: none; align-items: center; justify-content: center; } .jss346::before { top: 0; left: 0; right: 0; bottom: 0; content: ""; display: block; opacity: .5; z-index: 0; position: absolute; background: #014288; transition: opacity .3s ease-in-out; border-radius: 50%; } .jss346:hover::before { opacity: 1; } .jss346:focus-visible { border: 2px solid #000 !important; outline: none; } .jss347 { z-index: 1; transform: translate3d(0,0,0); margin-top: 1px; margin-left: 9px; } .jss344 { width: 942px; max-width: 100%; } @media (max-width:1279.95px) { .jss344 { width: 724px; } } @media (max-width:639.95px) { .jss344 { margin-top: 0; } } .jss332 { margin: auto; display: flex; flex-direction: column-reverse; } @media (min-width:640px) { .jss332 { word-break: break-word; align-items: center; flex-direction: row; justify-content: flex-start; } } .jss333 { max-width: 1020px; } @media (min-width:640px) { .jss334 { border: 1px solid #E5E5E5; padding: 32px; border-radius: 16px; } } @media (min-width:1024px) { .jss334 { padding: 48px; max-width: 870px; } } @media (min-width:1024px) { .jss335 { margin: 0; max-width: 100%; } } .jss336 { width: 100%; position: relative; box-shadow: 0px 16px 32px #0000000F; aspect-ratio: 16/9; border-radius: 10px; } @media (min-width:450px) { .jss336 { margin: auto; max-width: 70%; } } @media (min-width:640px) { .jss336 { width: 212px; height: 119px; margin: 0; min-width: 212px; margin-right: 31px; } } @media (min-width:1024px) { .jss336 { margin-right: 61px; } } .jss336 img { top: 0; left: 0; right: 0; width: 100%; bottom: 0; height: 100%; position: absolute !important; max-width: 100%; object-fit: cover; border-radius: 10px; } @media (min-width:1024px) { .jss337 { width: 495px; height: 278px; min-width: 495px; margin-right: 136px; border-radius: 20px; } .jss337 img { border-radius: 20px; } } @media (min-width:1024px) { .jss338 { width: 341px; height: 192px; min-width: 341px; } } @media (min-width:1024px) { .jss339 { width: 320px; height: 180px; min-width: 320px; margin-right: 39px; } } @media (min-width:640px) { .jss340 { display: flex; align-items: center; } } .jss341 { display: none; margin-top: 0; letter-spacing: 1.6px; } @media (min-width:640px) { .jss341 { display: block; margin-bottom: 11px; } } @media (min-width:1024px) { .jss341 { margin-bottom: 8px; } } .jss342 { font-size: 18px; margin-top: 0; text-align: center; line-height: 24px; margin-bottom: 16px; } @media (min-width:640px) { .jss342 { margin: 0; font-size: 24px; text-align: start; line-height: 32px; } } @media (min-width:1024px) { .jss342 { font-size: 32px; text-align: start; line-height: 48px; } } @media (min-width:1024px) { .jss343 { line-height: 40px; } } .jss405 { color: inherit; display: inline-block; margin-bottom: 23px; text-decoration: none; } @media (max-width:639.95px) { .jss405 { margin-bottom: 9px; } } .jss406 { display: flex; } @media (min-width:640px) { .jss406 { align-items: center; } } .jss407 { width: 48px; height: 48px; position: relative; align-self: flex-start; margin-right: 12px; } .jss407 img { width: 100%; } .jss408 { top: 20px; color: #003574; position: absolute; font-size: 10px; font-weight: 900; } .jss409 { width: 100%; font-size: 14px; max-width: calc(100% - 48px - 12px); margin-top: 14px; line-height: 20px; margin-bottom: 0; } @media (min-width:640px) { .jss409 { font-size: 16px; margin-top: 0; margin-bottom: 0; } } .jss325 { padding: 0; list-style-type: none; } @media (min-width:1024px) { .jss325 { display: flex; flex-wrap: nowrap; justify-content: center; } } .jss326 { width: 100%; position: relative; max-width: 320px; } @media (max-width:1023.95px) { .jss326 { display: flex; flex-wrap: nowrap; max-width: 100%; margin-bottom: 15px; padding-bottom: 20px; } } @media (max-width:639.95px) { .jss326 { min-height: 67px; margin-bottom: 13px; padding-bottom: 15px; } .jss326:last-of-type { margin-bottom: 0; padding-bottom: 0; } } @media (min-width:1024px) { .jss326 { margin: 0 15px; } .jss326:first-of-type { margin-left: 0; } .jss326:last-of-type { margin-right: 0; } } .jss326 .pkobp-button { display: inline-block; margin-top: 10px; margin-bottom: 0px; } .jss327 { content: ''; position: absolute; } @media (max-width:1023.95px) { .jss327 { top: 48px; left: calc(30px / 2); width: 1px; height: calc(100% - 48px); border-left: 1px dashed #B7B7B7; } } @media (min-width:1024px) { .jss327 { top: calc(72px / 2); left: 70px; width: calc(100% - 70px); height: 1px; border-bottom: 1px dashed #B7B7B7; } } .jss328 { color: #E5E5E5; line-height: 1; } @media (max-width:1023.95px) { .jss328 { font-size: 48px; min-width: 26px; } } @media (min-width:1024px) { .jss328 { font-size: 72px; } } @media (max-width:1023.95px) { .jss329 { margin-left: 12px; } } .jss330 { margin: 0; font-size: 16px; font-weight: bold; line-height: 1.5; } @media (max-width:1023.95px) { .jss330 { margin-top: 9px; } } @media (max-width:639.95px) { .jss330 { line-height: 1.5; } } @media (min-width:1024px) { .jss330 { margin-top: 20px; } } .jss331 { font-weight: 300; letter-spacing: 0; } @media (max-width:1023.95px) { .jss331 { margin-top: 16px; } .jss331>* { font-size: max(16px); } } @media (max-width:639.95px) { .jss331 { margin-top: 9px; line-height: 24px; } } @media (min-width:1024px) { .jss331 { margin-top: 17px; } } .jss331 *:last-child { margin-bottom: 0; } .jss331 span { display: block; } .jss331 p { margin-top: 0; margin-bottom: 16px; } .jss331 p:first-of-type { margin-top: 0; } .jss331 ul { margin-top: 16px; margin-left: 0; padding-left: 16px; } .jss331 ul li { padding-left: 3px; } .jss331 a { color: #003574; } @media (max-width:639.95px) { .jss331 ul li { padding-left: 0; } } .jss331 ul li:not(:last-of-type) { margin-bottom: 0; padding-bottom: 7px; } @media (max-width:639.95px) { .jss331 ul { margin: 8px 0; max-width: 100%; } } .jss331 p:last-of-type { margin-bottom: 8px; } .jss312 { margin-top: 25px; font-weight: 300; line-height: 20px; } @media (min-width:640px) { .jss312 { margin-top: 40px; line-height: 22px; margin-bottom: 13px; } } .jss313 { text-align: center; } .jss314 { width: fit-content; margin: 0 auto; display: flex; padding: 6px; background: #F2F2F2; align-items: center; border-radius: 10px; justify-content: center; } @media (max-width:639.95px) { .jss314 { width: 100%; padding: 4px; } } .jss315 { border: 1px solid transparent; margin: 0; display: flex; padding: 11px 33px; position: relative; font-size: 16px; text-align: center; line-height: 1; white-space: normal; border-radius: 10px; } @media (max-width:639.95px) { .jss315 { width: 50%; padding: 15px 10px 10px 10px; min-width: 33.33%; min-height: 64px; line-height: 1.2; } } .jss315::after { left: 50%; width: 0; bottom: 0; height: 0; content: ""; display: none; position: absolute; transform: translate(-50%, 8px); border-color: inherit; border-style: solid; border-width: 8px 7.5px 0 7.5px; border-top-color: #fff; border-left-color: transparent; border-right-color: transparent; border-bottom-color: transparent; } .jss316 { border: 1px solid #E5E5E5; background: #fff; box-shadow: 0px 12px 20px #00000014; } .jss316::after { display: block; } .jss317 { margin-top: 40px; } @media (max-width:639.95px) { .jss317 { margin-top: 18px; } } .jss318 { margin: 0 auto; max-width: 870px; } .jss319 { max-width: 100%; margin-top: 36px; } @media (max-width:639.95px) { .jss319 { margin-top: 32px; } } .jss319.tabsContainer--single { margin-top: 44px; } @media (max-width:639.95px) { .jss319.tabsContainer--single { margin-top: 22px; } } .jss321 { clip: rect(0, 0, 0, 0) !important; width: 1px !important; border: 0 !important; height: 1px !important; margin: -1px !important; padding: 0 !important; overflow: hidden !important; position: absolute !important; clip-path: inset(50%) !important; white-space: nowrap !important; } .jss322 { margin-top: 16px; align-items: center; } .jss323 { margin-top: 8px; font-weight: 300; margin-bottom: 16px; } .jss324 { min-width: 100%; } @media (min-width:640px) { .jss324 { min-width: 240px; } } .jss309 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 15px; } @media (min-width:900px) { .jss309 { font-size: 40px; line-height: 1.2; } } .jss309 a { color: inherit; text-decoration: none; } @media (min-width:640px) { .jss309 { margin-bottom: 20px; } } @media (min-width:1024px) { .jss309 { font-size: 32px; line-height: 40px; margin-bottom: 40px; } } .jss310 { margin: 0 auto; max-width: 870px; margin-top: 22px; letter-spacing: 0; } @media (max-width:639.95px) { .jss310 { font-size: 16px; margin-top: 23px; font-weight: 300; letter-spacing: 0px; } } .jss310 a { color: #003574; font-size: 16px; } .jss310 .pkobp-button { padding: 13px 32px; font-size: 16px; min-width: 240px; margin-top: 0; margin-bottom: 0; letter-spacing: 0; } @media (max-width:639.95px) { .jss310 .pkobp-button { width: 100%; } } .jss446 { display: flex; flex-wrap: wrap; align-items: center; } .jss447 { width: 40px; height: 40px; display: block; padding: calc((40px - 24px)/2); } .jss447 svg { fill: #B7B7B7; width: 24px; height: 24px; } .jss447:hover svg { fill: #939393; } .jss447:not(:last-of-type) { margin-right: 16px; } @media (min-width:1280px) { .jss447:not(:last-of-type) { margin-right: 8px; } } .jss189 { z-index: 3; position: relative; } .jss190 { max-width: 810px; } .jss191 { color: #636363; width: 285px; border: 1px solid #F2F2F2; height: 40px; outline: none; padding: 14px 72px 14px 14px; z-index: 4; position: relative; font-size: 16px; background: #F2F2F2; transition: border-color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,background 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms,color 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; caret-color: #003574; font-family: pkobp,Helvetica,Arial,sans-serif; border-radius: 8px; } .jss191::placeholder { color: #636363; font-size: 14px; font-weight: 400; } .jss191:hover { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } @media (max-width:1023.95px) { .jss191 { width: 100%; height: 48px; padding: 17px 36px 14px 47px; } } .jss192 { color: #000000; border: 1px solid #003574; background: #fff; font-weight: 400; } .jss193 { width: 100%; height: 48px; padding: 17px 96px 14px 16px; } .jss193::placeholder { font-size: 16px; } .jss194 { width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss194>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss194 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } } @media (min-width:1024px) { .jss194 { right: 0; margin-right: 48px; } } .jss195 { opacity: 0; } .jss196 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 72px; } .jss197 { top: 0; right: 47px; width: 24px; border: none; cursor: pointer; height: 24px; display: block; opacity: 1; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 24px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; border-right: solid 1px #E5E5E5; margin-bottom: calc((40px - 32px)/2); padding-right: 35px; } .jss197>svg { fill: #B7B7B7; width: 24px; height: 24px; } @media (max-width:1023.95px) { .jss197 { right: 0; margin-top: calc((48px - 24px)/2); border-right: unset; margin-right: 8px; padding-right: 28px; } } .jss197:hover>svg { fill: #003574; } .jss198 { opacity: 0; } .jss199 { right: 0; margin-top: calc((48px - 24px)/2); border-right: none; margin-right: 61px; } .jss200 { top: 0; fill: #003574; width: 32px; border: none; cursor: pointer; height: 32px; display: inline-block; padding: 0; z-index: 4; position: absolute; background: transparent; margin-top: calc((40px - 32px)/2); transition: opacity 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; margin-bottom: calc((40px - 32px)/2); } .jss200>svg { width: 32px; height: 32px; } @media (max-width:1023.95px) { .jss200 { left: 0; margin-top: calc((48px - 32px)/2); margin-left: 8px; } } @media (min-width:1024px) { .jss200 { right: 0; margin-top: 5px; margin-right: 8px; } } .jss201 { right: 0; margin-top: calc((48px - 32px)/2); margin-right: 12px; } .jss202 { right: 0; width: 1px; height: 24px; content: ''; z-index: 4; position: absolute; margin-top: calc((48px - 24px)/2); border-left: 1px solid #E5E5E5; margin-right: 56px; } @keyframes jss204 { 0% { opacity: 0; } 100% { opacity: 1; } } @media (max-width:1023.95px) { .jss205 { margin-top: 22px; } } @media (min-width:1024px) { .jss205 { top: -8px; left: -8px; height: 0; display: flex; z-index: 0; overflow: hidden; position: absolute; animation: jss204 .5s cubic-bezier(0.4, 0, 0.2, 1); } } @media (min-width:1024px) { .jss206 { width: calc(100% + 8px + 8px); border: 1px solid #E5E5E5; height: auto; padding: 18px 8px; z-index: 2; max-width: calc(810px + 8px + 8px); background: #fff; box-shadow: 0px 16px 32px #00000029; max-height: calc(100vh - 100px); min-height: 100px; padding-top: 65px; border-radius: 12px; } } .jss207 { width: 100%; overflow: auto; max-height: 100%; } .jss207::-webkit-scrollbar { width: 3px; cursor: grab; } .jss207::-webkit-scrollbar-track { border: 1px solid white; background-color: #E5E5E5; } .jss207::-webkit-scrollbar-thumb { border-radius: 9px; background-color: #003574; } .jss207::-webkit-scrollbar-thumb:hover { cursor: grab; } .jss207::-webkit-scrollbar-thumb:active { cursor: grabbing; } .jss263 { position: relative; margin-bottom: 30px; } .jss263::before { top: 50%; left: 0; width: 100%; height: 1px; content: ''; z-index: -1; position: absolute; background: #E5E5E5; } .jss264 { background: #fff; border-bottom: 1px solid #D5D5D5; } .jss264::before { display: none; } .jss265 { border: 1px solid #E5E5E5; height: 68px; margin: 0 auto; max-width: 1231px; background: #fff; box-shadow: 0px 18px 32px #00000014; border-radius: 16px; } .jss266 { border: none; display: flex; box-shadow: none; align-items: center; border-radius: 0; justify-content: flex-start; } .jss267 { display: flex; align-items: center; justify-content: flex-end; } .jss268 { justify-content: space-between; } .jss269 { width: 100%; height: 68px; display: flex; padding: 0 32px; max-width: 1231px; align-items: center; } .jss270 { display: inline-block; } .jss270:not(:first-of-type) { margin-left: 32px; } .jss270>a { color: inherit; cursor: pointer; display: inline-block; outline: none !important; z-index: 1; position: relative; font-size: 14px; line-height: 1; text-decoration: none; } .jss270>a::after { left: 51%; right: 51%; height: 3px; content: ""; display: block; opacity: 0; position: absolute; transform: skew(-15deg); background: #003574; margin-top: calc((68px / 2) - (14px / 2) - 3px - 1px); border-radius: 5px 0; -moz-transform: skew(-15deg); transition-delay: 0.2s; -webkit-transform: skew(-15deg); transition-duration: 0.2s; transition-property: left, right, opacity; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity; -webkit-transition-timing-function: ease-out; } @media (hover: hover) { .jss270:hover { color: #003574; } .jss270:hover>a::after { left: 0; right: 0; opacity: 1; } } .jss270>a:focus-visible { box-shadow: 0px 0px 0px 2px #000; border-radius: 4px; } .jss271 { color: #003574; } .jss271>a::after { left: 0; right: 0; opacity: 1; } .jss272>a { font-size: 14px; } .jss272>a::after { margin-top: calc((68px / 2) - (14px / 2) - 2px); } .jss273 { display: flex; font-size: 14px; min-width: 76px; align-items: center; } .jss273>svg { margin-top: -2px; margin-right: 3px; } .jss274 { margin: 0; display: flex; font-size: 14px; text-align: center; word-break: break-word; white-space: break-spaces; justify-self: flex-end; } .jss275 { margin-right: 15px; } .jss24 { display: block; } .jss24 .logo__dontdisplay { display: none !important; } @media (max-width:1023.95px) { .jss24 { width: 100px; height: 48px; } .menu__forCompanies .jss24 { width: 88px; height: 38px; } } @media (min-width:1024px) { .jss24 { width: 64px; height: 79px; } .menu__forCompanies .jss24 { width: 124px; height: 54px; } } .jss24 img.no-next-image-classname { max-width: 100%; max-height: 100%; } @media (max-width:1023.95px) { .jss24 * { height: 100% !important; } } .menu__scrolled .jss25 { width: 120px; height: 48px; } .menu__scrolled .jss25 .next-image-classname { max-height: 100%; } .menu__scrolled .jss25 .next-image-classname>span { width: 120px !important; height: 48px !important; } .jss50 { color: #000000; cursor: pointer; display: flex; padding: 0 1px; align-items: center; line-height: 1; text-decoration: none; } @media (max-width:1023.95px) { .jss50 { height: 48px; } } @media (min-width:1024px) { .jss50 { height: 40px; margin-right: -10px; border-radius: 10px; padding-right: 10px; } .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 42px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss50 { margin-left: 16px; } } } .jss50:hover { color: #003574; } .jss50>svg { transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1) 0ms; } @media (max-width:1023.95px) { .jss50>svg { width: 48px; height: 48px; } } @media (min-width:1024px) { .jss50>svg { width: 32px; height: 32px; } } @media (max-width:1023.95px) { .jss51 { margin-left: 7px; } } @media (min-width:1024px) { .jss51 { margin-left: 20px; } } .jss52 { font-size: 14px; margin-top: 4px; line-height: 1; margin-left: 7px; } .menu__forCompanies:not(.menu__scrolled) .jss52 { margin-left: 6px; } @media (min-width:1024px) and (max-width:1198.95px) { .menu__forCompanies:not(.menu__scrolled) .jss52 { display: none; } } .jss110 { overflow: auto; } @media (max-width:1023.95px) { .jss110 { max-height: calc(100vh - 60px - 48px); } } @media (min-width:1024px) { .jss110 { left: 0; width: 100%; position: absolute; max-height: calc(100vh - 136px + 24px); } } @media (min-width:1024px) { .jss111 { max-height: calc(100vh - 64px + 15px); } } @media (max-width:1023.95px) { .jss112 { padding-bottom: 16px; } .jss112>div { padding: 0; } .jss112>div>div { padding: 0; } } @media (min-width:1024px) { .jss112 { background: #fff; border-bottom: 1px solid #E5E5E5; padding-bottom: 32px; } } @media (max-width:1023.95px) { .jss113 { max-width: 100%; } } .jss114 { padding-left: 0; } @media (max-width:1023.95px) { .jss114 { margin: 0; max-width: 100%; } } @media (min-width:1280px) { .jss114 { padding-top: 30px; } } .jss102>ul { margin: 0; padding: 0; } .jss103 { top: 4px; width: 24px; border: none; cursor: pointer; height: 16px; display: inline-flex; padding: 0; position: relative; background: transparent; align-items: center; margin-left: 4px; justify-content: center; } .jss103::after { display: none !important; } .jss104 { display: inline-block; } .jss104:not(:first-of-type) { margin-left: 40px; } .jss104>.menu-position-item { color: inherit; cursor: pointer; display: inline-block; z-index: 2; position: relative; font-size: 18px; line-height: 24px; text-decoration: none; } .jss104>.menu-position-item span { position: relative; } .jss104>.menu-position-item span::after { left: 51%; right: 51%; height: 4px; content: ""; display: block; opacity: 0; outline: none !important; position: absolute; transform: skew(0) translate3d(0, 0, 0); background: #003574; margin-top: calc((40px / 2) - (4px / 2) + 1px); border-radius: 20px 0; -moz-transform: skew(0) translate3d(0, 0, 0); transition-delay: 0.2s; -webkit-transform: skew(0) translate3d(0, 0, 0); transition-duration: 0.2s; transition-property: left, right, opacity, transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity, transform; -webkit-transition-timing-function: ease-out; } .jss104 .dropdownLayer { opacity: 0; z-index: -1; box-shadow: 0 16px 16px #00000014; visibility: hidden; padding-top: 24px; transition-delay: 0.2s; transition-duration: 0.2s; transition-property: opacity, visibility; -webkit-transition-delay: 0.2s; transition-timing-function: ease-in-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: opacity, visibility; -webkit-transition-timing-function: ease-in-out; } .jss104:hover { color: #003574; } .jss104:hover>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss104:hover>.menu-position-item:focus span::after { outline: none !important; } .menu__forCompanies:not(.menu__scrolled) .jss104>.menu-position-item span::after { margin-top: 28px; } .jss104>.menu-position-item:focus-visible span { line-height: 1.25; } @media (min-width:1024px) and (max-width:1080.95px) { .jss104:not(:first-of-type) { margin-left: 24px; } } .jss105 { color: #003574; } .jss105>.menu-position-item span::after { left: 0; right: 0; opacity: 1; outline: none !important; transform: skew(-15deg) translate3d(0, 0, 0); -moz-transform: skew(-15deg) translate3d(0, 0, 0); -webkit-transform: skew(-15deg) translate3d(0, 0, 0); } .jss106 .dropdownLayer { opacity: 1; visibility: visible; } .jss106 .jss103 svg { transform: rotate(180deg); } .jss106>.menu-position-item::after { right: 27px; } .jss107:not(:first-of-type) { margin-left: 32px; } .jss107>.menu-position-item { font-size: 16px; } .jss107 .dropdownLayer { margin-top: 2px; padding-top: 15px; } .jss107 .jss103 { margin-left: 4px; } .jss107>.menu-position-item span::after { margin-top: 14px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss107:not(:first-of-type) { margin-left: 16px; } } .jss108 .jss103 svg { transition-delay: 0.2s; transition-duration: 0.2s; transition-property: transform; -webkit-transition-delay: 0.2s; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: transform; -webkit-transition-timing-function: ease-out; } .jss109>.menu-position-item { color: #2E7D49; } .jss109:hover>.menu-position-item { color: #003574; } body { padding-bottom: 73px; } .jss81 { left: 0; width: 100%; bottom: 0; z-index: 1023; position: fixed; background: #fff; border-top: 1px solid #D5D5D5; box-shadow: 0px 0px 12px #00000029; } .workspaceMode .jss81 { bottom: initial; z-index: 0; position: relative; } .withPinnedPOI .jss81 { visibility: hidden; } .jss82 { margin: 0; padding: 0 5px; } .jss83 { display: flex; justify-content: space-around; } .jss84 { color: inherit; width: 70px; display: flex; padding: 1px; position: relative; font-size: 12px; text-align: center; align-items: center; line-height: 1; margin-bottom: 4px; flex-direction: column; text-decoration: none; } .jss84 span { word-break: break-word; } .jss84 svg { fill: #636363; } .jss84::after { left: 51%; right: 51%; width: 64%; height: 4px; content: ""; display: block; opacity: 0; position: absolute; transform: skew(-15deg); background: #003574; margin-top: -3px; border-radius: 20px 0; -moz-transform: skew(-15deg); -webkit-transform: skew(-15deg); transition-duration: 0.2s; transition-property: left, right, opacity; transition-timing-function: ease-out; -webkit-transition-duration: 0.2s; -webkit-transition-property: left, right, opacity; -webkit-transition-timing-function: ease-out; } .jss84:hover { color: #003574; } .jss84:hover svg { fill: #003574; } .jss84:hover::after { left: 17%; right: unset; opacity: 1; } .jss84 svg * { fill: inherit !important; stroke: inherit !important; } .jss85 { color: #003574 !important; } .jss85 svg { fill: #003574 !important; } .jss85::after { left: 17%; right: unset; opacity: 1; } .jss86 { color: #2E7D49; } .jss86 svg { fill: #2E7D49; } .jss87 { width: 32px; height: 32px; overflow: hidden; margin-top: 4px; margin-bottom: 6px; } .jss87 img { max-width: 100%; } .jss87 svg { width: 32px; height: 32px; max-width: 100%; } .jss250 { margin-top: 60px; margin-bottom: 68px; } @media (min-width:1024px) { .jss250 { margin-top: 112px; margin-bottom: 84px; } } .jss251 { text-align: center; } .jss252 { text-align: left; } .jss253 { text-align: right; } .jss254 { margin-bottom: 20px; text-transform: none; } .jss255 { font-size: 20px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 1.2; margin-bottom: 15px; } @media (min-width:900px) { .jss255 { font-size: 32px; line-height: 1.25; } } .jss255 a { color: inherit; text-decoration: none; } .jss256 { margin-top: 0; font-weight: 300; line-height: 1.5; margin-bottom: 0; } .jss397 { max-width: 915px; margin-left: auto; margin-right: auto; } .jss397>ul { padding: 0; margin-top: 0; margin-bottom: 0; list-style-type: none; } .jss398 { font-size: 24px; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 16px; } @media (min-width:900px) { .jss398 { font-size: 32px; line-height: 1.25; } } .jss398 a { color: inherit; text-decoration: none; } @media (min-width:1024px) { .jss398 { font-size: 32px; line-height: 40px; margin-bottom: 40px; } } @media (max-width:639.95px) { .jss399 { margin-bottom: 16px; } } @media (min-width:1024px) { .jss400 { margin: 0 auto; max-width: 810px; } } .jss401 { border-top: 1px solid #E5E5E5; padding-top: 24px; padding-bottom: 23px; } .jss401:last-of-type { border-bottom: 1px solid #E5E5E5; } @media (min-width:640px) { .jss401 { padding-top: 33px; padding-bottom: 31px; } } .jss402 { padding-bottom: 18px; } @media (min-width:640px) { .jss402 { padding-bottom: 4px; } } .jss403 { display: flex; margin-top: 10px; justify-content: center; } @media (min-width:640px) { .jss403 { margin-top: 16px; } } .jss404 { margin: 0; min-width: 240px; } .jss188 { position: relative; } .jss26 { border: none; height: 48px; margin: 0; display: inline-block; padding: 0; background: none; } .jss26 svg { fill: #003574; } .jss27 { margin-top: -5px; } @media (max-width:1023.95px) { .jss28 .MuiPaper-root { width: 100%; } } .jss226 { width: 100%; display: block; overflow: hidden; } @media (max-width:1023.95px) { .jss226 { margin-bottom: 20px; } } @media (min-width:1024px) { .jss226 { display: flex; padding: initial; } } .jss226.slide--fullWidth { background-size: cover; background-repeat: no-repeat; background-position: center center; } @media (min-width:1280px) { .jss226.slide--fullWidth { min-height: 580px; } } @media (max-width:1023.95px) { .jss227 { max-width: unset; } } @media (max-width:1023.95px) { .jss228 { display: flex; flex-direction: column; } } .jss228.jss228 .sectionheader__title { margin-top: 43px; } .jss228 .jss233 { max-width: 390px; flex-shrink: 0; padding-right: 60px; } .jss228 .jss235 ul[style="list-style-type: checks;"] { padding-left: 26px; } @media (max-width:1023.95px) { .jss228 .jss229 { order: 2; } } .jss228 .jss235 ul[style="list-style-type: checks;"] li { margin-bottom: 17px; } @media (max-width:1023.95px) { .jss228 .jss235 ul[style="list-style-type: checks;"] li { margin-bottom: 15px; } } @media (max-width:1279.95px) { .jss228 .jss233 { max-width: 320px; padding-right: 30px; } } @media (max-width:1023.95px) { .jss228 .jss233 { max-width: unset; padding-right: 0px; } } @media (max-width:1023.95px) { .jss228.jss228 .sectionheader__title { font-size: 24px; margin-top: 0px; line-height: 32px; margin-bottom: 15px; } } .jss229 { flex: 1; display: flex; position: relative; } @media (min-width:1024px) { .jss229 { padding-top: 40px; padding-bottom: 40px; } } @media (min-width:1280px) { .jss229 { padding-top: 40px; padding-bottom: 40px; } } @media (min-width:640px) { .jss230 { margin: 0 auto; max-width: 708px; } } @media (min-width:1024px) { .jss230 { margin: unset; max-width: 50%; padding-left: 15px; padding-right: 15px; } } @media (min-width:1280px) { .jss230 { padding-top: 44px; padding-left: 14px; padding-right: unset; } } @media (min-width:1024px) { .jss231 { padding-top: 128px; } } @media (min-width:1024px) { .jss232 { padding-bottom: 144px; } } .jss233 { width: 100%; margin-top: 13px; text-align: center; } @media (min-width:1024px) { .jss233 { align-self: center; margin-top: 0; text-align: start; padding-right: 20px; } } .jss233 li { text-align: start; } .jss233 .sectionheader__supertitle { margin-bottom: 0; } .jss233 .sectionheader__title { font-size: 24px; max-width: none; margin-top: 0; font-family: pkobp,Helvetica,Arial,sans-serif; font-weight: 400; line-height: 32px; margin-bottom: 14px; } .jss233 .sectionheader__subtitle { display: block; font-size: 11px; line-height: 1; margin-bottom: 4px; letter-spacing: 1.65px; } .jss233 button:focus-visible { border: 2px solid #000 !important; outline: none; } @media (min-width:1024px) { .jss233 .sectionheader__title, .jss233 .sectionheader__supertitle, .jss233 .sectionheader__subtitle { text-align: left; } } @media (min-width:1024px) { .jss233 .sectionheader__subtitle { margin-bottom: 18px; } } @media (min-width:900px) { .jss233 .sectionheader__title { font-size: 48px; line-height: 1.1666666666666667; } } .jss233 .sectionheader__title a { color: inherit; text-decoration: none; } @media (min-width:640px) { .jss233 .sectionheader__title { margin-bottom: 18px; } } @media (min-width:1024px) { .jss233 .sectionheader__title { font-size: 48px; line-height: 56px; margin-bottom: 26px; } } @media (min-width:1024px) { .jss233 .sectionheader__supertitle { margin-bottom: 14px; } } @media (max-width:639.95px) { .jss234 { margin-top: 20px; } } .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] { padding-left: 25px; } @media (max-width:639.95px) { .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] { padding-left: 26px; } .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] li { margin-bottom: 16px; } } @media (min-width:1024px) { .jss234 .pkobp-wysiwyg ul[style="list-style-type: checks;"] li { margin-bottom: 20px; } } .jss235 { font-size: 16px; margin-top: 0; font-weight: 300; line-height: 20px; } @media (min-width:1024px) { .jss235 { margin-top: 24px; line-height: 24px; } } .jss235>p { margin: 0; } .jss236 { order: 2; height: auto; padding: 13px 0px 0px 0px; align-self: center; text-align: center; align-items: center; justify-content: center; } .jss236.jss237 img, .jss236.jss238 img, .jss236.jss237 .next-image-classname, .jss236.jss238 .next-image-classname { width: auto !important; min-width: auto !important; object-fit: unset !important; } @media (min-width:640px) { .jss236 { padding: 8px 0px; } } @media (min-width:1024px) { .jss236 { padding: 0; text-align: right; justify-content: right; } .jss236 .next-image-classname { line-height: 0; } .jss236.jss224 { min-width: 509px; min-height: 448px; } .jss236.jss223 { min-width: 524px; min-height: 584px; } .jss236.jss223.jss237, .jss236.jss223.jss238 { min-width: 524px; min-height: 584px; } .jss236.jss223 img, .jss236.jss223 .next-image-classname img { max-width: 524px !important; max-height: 584px !important; line-height: 0; } .jss236.jss223.jss237 .next-image-classname, .jss236.jss223.jss238 .next-image-classname { margin: 56px 0; padding: 0; } .jss236.jss223.jss237 img, .jss236.jss223.jss238 img, .jss236.jss223.jss237 .next-image-classname img, .jss236.jss223.jss238 .next-image-classname img { margin: 56px 0; padding: 0; max-width: 524px !important; max-height: 472px !important; } .jss236.jss224 img, .jss236.jss224 .next-image-classname img { max-width: 509px !important; max-height: 448px !important; } .jss236.jss224.jss237 img, .jss236.jss224.jss238 img, .jss236.jss224.jss237 .next-image-classname, .jss236.jss224.jss238 .next-image-classname { margin: 36px 0; padding: 0; } } @media (min-width:1280px) { .jss236.jss224 { min-width: 600px; } .jss236.jss223 { min-width: 705px; } .jss236.jss223.jss237, .jss236.jss223.jss238 { min-width: 705px; } .jss236.jss223 img, .jss236.jss223 .next-image-classname img { max-width: 705px !important; } .jss236.jss223.jss237 img, .jss236.jss223.jss238 img, .jss236.jss223.jss237 .next-image-classname img, .jss236.jss223.jss238 .next-image-classname img { max-width: 600px !important; } .jss236.jss224 img, .jss236.jss224 .next-image-classname img { max-width: 600px !important; } } .jss236.jss225 { margin: 0 -16px; padding: 0; } .jss236 .no-next-image-classname { max-width: 100%; max-height: 140px; } .jss236 .next-image-classname img { height: 100% !important; max-width: 100% !important; max-height: 152px !important; } @media (min-width:640px) { .jss236 .next-image-classname img { max-width: 706px !important; max-height: 272px !important; } } @media (min-width:640px) { .jss236 .no-next-image-classname { max-width: 706px; max-height: 272px; } } @media (min-width:640px) { .jss236.jss225 { margin: 0 -30px; } } .jss236.jss225 img, .jss236.jss225 .next-image-classname img { width: 100vw !important; max-width: unset !important; max-height: unset !important; } .jss237 { padding: 0; margin-top: 20px; margin-bottom: 13px; } @media (min-width:1024px) { .jss237 { margin: 0; } } .jss237 img { border-radius: 20px; } @media (min-width:640px) { .jss237 img { border-radius: 50px; } } .jss238 img { border-radius: 25px 0 25px 0; } @media (min-width:640px) { .jss238 img { border-radius: 50px 0 50px 0; } } .jss239 img { border-radius: 0; } .jss240 { width: 100%; display: inline-flex; margin-top: 8px; align-items: center; flex-direction: column; } @media (min-width:640px) { .jss240 { width: auto; display: flex; margin-top: 24px; flex-direction: row-reverse; justify-content: center; } } @media (min-width:1024px) { .jss240 { margin-top: 38px; flex-direction: row; justify-content: flex-start; } } .jss240 a, .jss240 button { width: 100%; margin: 0; display: block; overflow: hidden; max-width: 100%; min-width: 136px; white-space: nowrap; text-overflow: ellipsis; } .jss240 a:focus-visible, .jss240 button:focus-visible { border: 2px solid #000; outline: none; } @media (max-width:639.95px) { .jss240 a:nth-of-type(2), .jss240 button:nth-of-type(2) { margin-top: 12px; } } @media (min-width:640px) { .jss240 a, .jss240 button { width: 232px; margin-right: 30px; } .jss240 a:nth-of-type(1), .jss240 button:nth-of-type(1) { margin-right: 0; } } @media (min-width:1024px) { .jss240 a, .jss240 button { width: 210px; } .jss240 a:nth-of-type(1), .jss240 button:nth-of-type(1) { margin-right: 30px; } .jss240 a:nth-of-type(2), .jss240 button:nth-of-type(2) { margin-right: 0; } } @media (max-width:639.95px) { .jss241 { margin-top: 6px; } } @media (min-width:1024px) { .jss241 { margin-top: 40px; } } .jss241 a, .jss241 button { width: 188px; } @media (min-width:640px) { .jss241 a, .jss241 button { width: 180px; } } .jss242 { display: flex; align-items: start; padding-top: 20px; justify-content: start; } @media (min-width:640px) { .jss242 { padding-top: 40px; } } .jss242 svg { width: 24px; height: 24px; margin-top: -1px; } .jss243 { color: #636363; width: calc(100% - 24px); font-size: 14px; text-align: left; line-height: 1.5; padding-top: 1px; padding-left: 8px; } .jss243 a { color: #003574; text-underline-offset: 2px; } .jss243 a:hover { color: #001E4B; } .jss244 { width: 330px; display: flex; align-items: center; justify-content: center; } @media (max-width:1279.95px) { .jss244 { width: 320px; } } @media (max-width:1023.95px) { .jss244 { order: 1; width: 100%; display: flex; align-items: center; justify-content: center; } } .jss244 .next-image-classname { display: flex; align-items: center; justify-content: center; } .jss244 img { width: 100%; } @media (max-width:1023.95px) { .jss244 img { width: auto; max-height: 112px; } } .jss245 { order: 3; width: 390px; border: solid 1px #E5E5E5; position: relative; max-height: 536px; flex-shrink: 0; margin-left: 60px; border-radius: 16px; } @media (max-width:1279.95px) { .jss245 { width: 320px; margin-left: 30px; } } @media (max-width:1023.95px) { .jss245 { width: 100%; border: unset; margin-top: 72px; max-height: unset; margin-left: 0px; } } .jss217 { position: relative; } @media (max-width:639.95px) { .jss217.multiple .slick-list { min-height: 375px; } } .jss218 { margin: 0 auto; max-width: 1507px; } .jss219 { user-select: text; } .jss219.draggable { user-select: none; } .jss219 .slick-dots { margin-top: 0; margin-bottom: 0; } .jss219 .slick-slide { visibility: hidden; } .jss219 .slick-slide.slick-active { visibility: visible; } .jss220 { position: relative; } .jss220::before { inset: 50% 0 0; width: 100vw; height: 1px; content: ""; position: absolute; transform: translateX(-50%); background: #E5E5E5; margin-left: 50%; } .jss220 .slick-dots li { display: flex; } .jss221 { display: flex; position: relative; background: #ffffff; align-items: center; } .jss222 { border: 0; padding: 5px; margin-top: 3px; background-color: transparent; } .jss222 svg { fill: #003574; } .jss15 { color: #000000; padding: 0; font-size: 14px; font-family: pkobp,Helvetica,Arial,sans-serif; letter-spacing: 0; text-transform: none; } .jss15:focus-visible { outline: solid 2px #000000; } .jss15 svg { fill: #003574; margin-left: 2px; } @media (min-width:1280px) { .jss15:hover { color: #003574; background-color: transparent; } } @media (max-width:1279.95px) { .jss16 { border: none; background-color: #00000066; } } .jss17 { border: 1px solid #D5D5D5; padding: 16px 16px 8px 16px; box-shadow: 0px 10px 16px #00000029; border-radius: 10px; } @media (max-width:1279.95px) { .jss17 { top: initial !important; left: 0 !important; right: 0 !important; width: 100%; bottom: 0; padding: 16px; max-width: 100% !important; max-height: fit-content !important; border-bottom-left-radius: 0; border-bottom-right-radius: 0; } .jss17>ul { max-height: calc(48px * 6); } } @media (min-width:1280px) { .jss17 { transform: translate(-24px,-45px); } } .jss17>ul { padding: 0; } @media (min-width:1280px) { .jss18 { transform: translate(-22px, -6px); } } @media (max-width:1279.95px) { .jss19 { box-shadow: inset 0 -15px 15px -15px #D5D5D5; } } .jss20 .jss21 { padding: 13px 11px; } @media (min-width:1280px) { .jss20 .jss21 { padding: 5px 7px 6px 7px; } } .jss21 { color: #000000; padding: 13px 8px; font-size: 16px; font-family: pkobp,Helvetica,Arial,sans-serif; border-radius: 8px; } .jss21:hover { background-color: #F2F2F2; } @media (min-width:1280px) { .jss21 { margin: 1px 0; padding: 5px 7px 6px 7px; font-size: 14px; border-radius: 4px; } } .jss22 { font-weight: bold; background-color: #F2F2F2 !important; } .jss23 > nav > button > svg { margin-left: -2px; } .jss10 { line-height: 1; margin-left: 1px; } @media (max-width:1023.95px) { .jss10 { display: flex; justify-self: end; justify-content: flex-end; } } @media (max-width:1023.95px) { .jss11 { height: 40px; padding: 0 16px; align-items: center; } } .jss12 { color: inherit; padding: 1px; font-size: 14px; text-decoration: none; } @media (max-width:1023.95px) { .jss12 { width: 50%; display: inline-block; padding: 13px; text-align: center; border-top-left-radius: 8px; border-top-right-radius: 8px; } .jss12:hover { background: #fff; } } @media (min-width:1024px) { .jss12 { line-height: 24px; } .jss12:not(:first-of-type) { margin-left: 48px; } .jss12:hover { color: #636363; } } @media (max-width:1023.95px) { .jss13 { background: #fff; } } @media (min-width:1024px) { .jss13 { color: #636363; } } .jss14 { color: #000; width: auto; display: flex; align-items: center; line-height: 20px; justify-content: start; } @media (max-width:1023.95px) { .jss14 { padding: 9px 17px; } } .jss14 > svg { margin-left: 2px; } .jss14:hover { color: inherit; } .jss88 { background: #fff; transition: box-shadow .2s ease-in-out; border-bottom: 1px solid #E5E5E5; } .jss88.menu__scrolled { box-shadow: 0px 3px 40px #0000001F; border-bottom: 1px solid #D5D5D5; } .jss88.menu_withoutShadow { box-shadow: none; } @media (max-width:1023.95px) { .jss88 { display: none; } } .jss89 { margin: auto; display: flex; max-width: 1230px; padding-top: 20px; justify-content: space-between; } @media (max-width:1259.95px) { .jss89 { padding-left: 15px; padding-right: 15px; } } .menu__scrolled .jss89 { max-height: 64px; padding-top: 0; } .jss90 { display: flex; justify-content: space-between; } .jss91 { margin-top: 9px; margin-right: 72px; margin-bottom: 27px; } @media (min-width:1024px) and (max-width:1080.95px) { .jss91 { margin-right: 32px; } } .menu__forCompanies .jss91 { margin-top: 0px; margin-right: 56px; margin-bottom: 21px; } .menu__scrolled .jss91 { margin-top: 8px; margin-right: 64px; margin-bottom: 8px; } @media (max-width:1149.95px) { .menu__scrolled .jss91 { margin-right: 24px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__scrolled .jss91 { margin-right: 16px !important; } } @media (min-width:1024px) and (max-width:1080.95px) { .menu__forCompanies .jss91 { margin-right: 32px; } } .jss93 { height: 24px; margin: 10px 0; } .jss94 { margin-top: 36px; } .menu__forCompanies .jss94 { margin-top: 22px; } .menu__scrolled .jss94 { margin-top: 24px; } .jss96 { display: flex; position: relative; align-items: center; margin-bottom: 20px; } .jss97 { width: 100%; justify-content: flex-end; } .jss98 { right: 100%; position: absolute; margin-right: 29px; } .jss99 { height: 40px; margin: 0; padding: 14px 25px 12px 26px; font-size: 14px; min-width: unset; min-height: unset; margin-left: 45px; } .jss99:focus { background: #CC7A09; } .jss100 { margin: 12px 0; display: flex; justify-content: flex-end; } .menu__forCompanies:not(.menu__scrolled) .jss100 { margin-top: 11px; } .jss101 { display: flex; align-items: center; } @media (min-width:1024px) { .jss2 { display: none; } } .jss4 { background: #F2F2F2; padding-top: 1px; } .jss5 { display: flex; align-items: center; padding-right: 16px; justify-content: space-between; } .jss6 { background: #F2F2F2; border-bottom: 1px solid #E5E5E5; } .jss7 { display: flex; } .jss8 { display: flex; padding: 8px 7px 8px 16px; background: #fff; justify-content: space-between; } .jss9 { border-top-left-radius: 16px; border-top-right-radius: 16px; } @media (min-width:1280px) { .jss439 { display: flex; flex-wrap: nowrap; align-items: center; justify-content: flex-end; } } .jss440 { width: 100%; display: flex; margin-bottom: 28px; justify-content: center; } @media (min-width:640px) { .jss440 { margin-bottom: 22px; } } @media (min-width:1280px) { .jss440 { order: 2; width: auto; min-width: 330px; margin-bottom: 0; justify-content: end; } } .jss441 { width: 100%; display: flex; } @media (min-width:640px) { .jss441 { text-align: center; justify-content: center; } } @media (max-width:639.95px) { .jss441 { flex-direction: column-reverse; } } @media (min-width:1280px) { .jss441 { order: 1; margin-top: 0; text-align: left; justify-content: flex-start; } } .jss442 { color: #636363; margin: 0; display: inline; font-size: 14px; 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aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></button></nav></div><div class="MuiBox-root css-0"></div></div><div class="jss6 MuiBox-root css-0"><div class="jss8 jss9 MuiBox-root css-0"><div class="MuiBox-root css-70qvj9"><a class="jss24" data-cy="MenuLogo-link--link" id="nav-full-ba3ef72c27ba-men-33039-l-33045" href="/[...*]"><img src="/api/public/63086f97-c7b3-436b-a060-a2947f8713f4.svg" 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fill="#003574"></path><path data-name="Path 1499" d="M23.333-399A3.42,3.42,0,0,0,20-395.667a3.428,3.428,0,0,0,2.5,3.2v.962a1.667,1.667,0,0,0,1.667,1.667v-2.629a3.428,3.428,0,0,0,2.5-3.2A3.42,3.42,0,0,0,23.333-399Zm0,5a1.757,1.757,0,0,1-1.667-1.667,1.757,1.757,0,0,1,1.667-1.667A1.757,1.757,0,0,1,25-395.667,1.757,1.757,0,0,1,23.333-394Z" transform="translate(-11.667 414.833)" fill="#003574"></path></g></g></svg> </a></div></div></div></div><nav class="jss81 MuiBox-root css-0" role="navigation" aria-label="Nawigacja w menu głównym, pozycje podrzędne"><ul class="jss82 MuiBox-root css-0"><li class="jss83 MuiBox-root css-0"><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-start--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-0" href="https://www.pkobp.pl"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-1774 -767)"><g transform="translate(1478 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d="M243.888-521A3.831,3.831,0,0,1,240-525a3.625,3.625,0,0,1,3.631-4c.085,0,.283-.006.369,0v-4a7.763,7.763,0,0,0-8,7.433c0,.151,0,.3,0,.454l0,30.233a10.077,10.077,0,0,0,10.116,9.844L296-485v-36ZM292-489H246.353A6.145,6.145,0,0,1,240-494.884v-23.14A7.266,7.266,0,0,0,243.888-517H292Z" fill="inherit"></path><path data-name="Path 2146" d="M280-505h-8v4h12S284-505,280-505Z" fill="inherit"></path><path data-name="Path 2147" d="M284-525v-20H266.828L252-530.172V-525h-4v-24h40v24Zm-32-20v9.172L261.172-545Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 765)" fill="inherit" opacity="0"></rect></g></svg></div><span>Oferta</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-1--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-c48705207c33" href="/[...*]"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewBox="0 0 32 32"><defs><style>.a{fill:none;opacity:0;stroke:none}.b{fill:inherit;stroke-width:0;}</style></defs><g transform="translate(-0.246)"><rect class="a" width="32" height="32" transform="translate(0.246)"></rect><g transform="translate(0.841 -0.664)"><path class="b" d="M0,0V18.747H12.151V0H0M-1.33-1.33H13.481V20.077H-1.33Z" transform="translate(9.334 7.295)"></path><circle class="b" cx="1.5" cy="1.5" r="1.5" transform="translate(13.904 20.364)"></circle></g></g></svg></div><span>Bankowość elektroniczna</span></a><a class="jss84" data-cy="MenuNestedPositions--position-nested-mobile-2--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-41bf00df6203" href="https://www.pkobp.pl/pomoc-kontakt"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-120 -797)"><g transform="translate(120 1077)"><path data-name="Path 2524" d="M48-264a32,32,0,0,0-32,32,32,32,0,0,0,32,32,32,32,0,0,0,32-32A32,32,0,0,0,48-264Zm0,4a27.857,27.857,0,0,1,18.275,6.833l-5.718,5.718A19.81,19.81,0,0,0,48-252a19.811,19.811,0,0,0-12.518,4.518L29.764-253.2A27.851,27.851,0,0,1,48-260Zm9.834,40.526A15.844,15.844,0,0,1,48-216a15.836,15.836,0,0,1-9.793-3.442,16.015,16.015,0,0,1-2.824-2.834A15.85,15.85,0,0,1,32-232a15.836,15.836,0,0,1,3.475-9.833,16.01,16.01,0,0,1,2.841-2.816A15.841,15.841,0,0,1,48-248a15.843,15.843,0,0,1,9.725,3.384,16.105,16.105,0,0,1,2.834,2.822A15.842,15.842,0,0,1,64-232a15.842,15.842,0,0,1-3.352,9.685A16.066,16.066,0,0,1,57.834-219.474ZM20-232a27.85,27.85,0,0,1,6.928-18.379l5.713,5.712A19.816,19.816,0,0,0,28-232a19.816,19.816,0,0,0,4.551,12.557l-5.719,5.718A27.859,27.859,0,0,1,20-232Zm28,28a27.857,27.857,0,0,1-18.342-6.894l5.715-5.714A19.81,19.81,0,0,0,48-212a19.809,19.809,0,0,0,12.666-4.641l5.713,5.713A27.855,27.855,0,0,1,48-204Zm21.2-9.763-5.719-5.719A19.813,19.813,0,0,0,68-232a19.811,19.811,0,0,0-4.607-12.627l5.712-5.715A27.848,27.848,0,0,1,76-232,27.856,27.856,0,0,1,69.2-213.763Z" fill="inherit"></path></g><rect width="96" height="96" transform="translate(120 797)" fill="inherit" opacity="0"></rect></g></svg></div><span>Pomoc i kontakt</span></a><a class="jss84 jss86" data-cy="MenuNestedPositions--position-nested-mobile-3--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-2-1df48e40262a" href="https://www.pkobp.pl/klient-indywidualny/promocje"><div class="jss87 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-285 -765)"><g transform="translate(285 765)"><rect data-name="Rectangle 2049" width="96" height="96" fill="inherit" opacity="0"></rect><g data-name="Group 2681"><path data-name="Path 2716" d="M80.828,23.963,55.166,27.185,36.128,10.159,31.464,35.268,9.182,48.4l22.646,11.9,5.4,25.534L55.755,67.7,81.51,70.741,70.182,47.225ZM74.741,65.915,54.324,63.5,39.637,77.888,35.354,57.642,17.4,48.2,35.064,37.79l3.7-19.911,15.1,13.5L74.2,28.827,65.762,47.268Z" fill="inherit"></path></g></g></g></svg></div><span>Promocje</span></a></li></ul></nav></div><div class="jss88 MuiBox-root css-0" data-cy="MenuDesktop" id="nav-full-ba3ef72c27ba-men-33039"><div class="jss89 MuiBox-root css-0" style="transition-duration:.2s"><div class="jss90 MuiBox-root css-0"><div class="jss91 MuiBox-root css-0"><a class="jss24" data-cy="MenuLogo-link--link" id="nav-full-ba3ef72c27ba-men-33039-l-33044" href="/[...*]"><img src="/api/public/3c663fc2-a8dc-4cb9-ab55-9a4ee64b7c35.svg" class="no-next-image-classname" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/><img src="/api/public/63086f97-c7b3-436b-a060-a2947f8713f4.svg" class="no-next-image-classname logo__dontdisplay" alt="PKO Bank Polski logo" title="PKO Bank Polski" loading="eager"/></a></div><div class="jss92 MuiBox-root css-0"><div class="jss93 MuiBox-root css-0"><div class="jss10 jss11 MuiBox-root css-0" data-cy="Menu-MainPositions--positions-select"><nav class="MuiBox-root css-0" role="navigation" aria-label="Menu główne, pozycje główne"><button class="MuiButtonBase-root MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium MuiButton-root MuiButton-text MuiButton-textPrimary MuiButton-sizeMedium MuiButton-textSizeMedium jss15 css-gffgv3" tabindex="0" type="button" aria-controls="button-menu-0a9d5490-f976-409e-895c-fcb5132038b9" aria-haspopup="true" aria-label="Klient indywidualny">Klient indywidualny <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></button></nav></div></div><div class="jss94 MuiBox-root css-0"><nav class="jss102 MuiBox-root css-0" role="navigation" aria-label="Pozycje drugiego rzędu w menu głównym" data-cy="MenuNestedPositions"><ul class="MuiBox-root css-0"><li class="jss104 jss108 MuiBox-root css-0" data-cy="MenuNestedPositions--position-0"><a href="#" class="menu-position-item" aria-expanded="false" data-cy="MenuNestedPositions--position-link" aria-label="Zwiń lub rozwiń podmenu dla Oferta"><span>Oferta</span><span class="jss103"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="3 3 18 18"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="18" height="18" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></span></a><div class="dropdownLayer jss110 MuiBox-root css-0" data-cy="MenuDropdownLayer"><nav class="jss112 MuiBox-root css-0" role="navigation" aria-label="Warstwa kafli trzeciego rzędu w menu"><section class="MuiBox-root css-j1fy4m"><div class="jss113 MuiBox-root css-1ndk1zt"><ul class="MuiGrid-root MuiGrid-container jss114 css-10qumm3"><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-0"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-0--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-31d6d9fc78e3" href="https://www.pkobp.pl/klient-indywidualny/konta"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-0--label">Konta</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-1"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-1--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-c213f017026d" href="https://www.pkobp.pl/klient-indywidualny/karty-platnosci"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-1--label">Karty i płatności</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-2"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-2--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-9cec5d108078" href="https://www.pkobp.pl/klient-indywidualny/kredyty-pozyczki"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-2--label">Pożyczki i kredyty</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-3"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-3--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-50f1d5e9662a" href="https://www.pkobp.pl/klient-indywidualny/ubezpieczenia"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-3--label">Ubezpieczenia</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-4"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-4--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-57606af98641" href="https://www.pkobp.pl/klient-indywidualny/oszczedzanie-inwestycje"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-4--label">Oszczędności i inwestycje</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-5"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-5--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-f69c444ad95b" href="https://www.pkobp.pl/klient-indywidualny/uslugi-zakupy"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-5--label">Usługi i zakupy</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li></ul><div class="jss162 MuiBox-root css-0"><button class="jss169 jss170 jss163 jss164" data-cy="Button-MenuDropdownTile" type="button" tabindex="0" id="nav-full-ba3ef72c27ba-men-33039-btn-33103">Zobacz wszystko</button></div></div></section></nav></div></li><li class="jss104 jss108 MuiBox-root css-0" data-cy="MenuNestedPositions--position-1"><a href="#" class="menu-position-item" aria-expanded="false" data-cy="MenuNestedPositions--position-link" aria-label="Zwiń lub rozwiń podmenu dla Bankowość elektroniczna"><span>Bankowość elektroniczna</span><span class="jss103"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="18" height="18" viewBox="3 3 18 18"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="18" height="18" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></span></a><div class="dropdownLayer jss110 MuiBox-root css-0" data-cy="MenuDropdownLayer"><nav class="jss112 MuiBox-root css-0" role="navigation" aria-label="Warstwa kafli trzeciego rzędu w menu"><section class="MuiBox-root css-j1fy4m"><div class="jss113 MuiBox-root css-1ndk1zt"><ul class="MuiGrid-root MuiGrid-container jss114 css-10qumm3"><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-0"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-0--card--link" id="nav-full-ba3ef72c27ba-men-33039-pos-lvl-3-faacc8002b7e" href="https://www.pkobp.pl/klient-indywidualny/aplikacja-iko-ipko/aplikacja-mobilna-iko"><div class="jss117 MuiBox-root css-0"><div class="jss119 MuiBox-root css-0"><div class="MuiBox-root css-0"><p class="jss143 jss121" data-cy="Headline-MenuDropdownTile-0--label">Aplikacja mobilna IKO</p></div></div><div class="jss123 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></a></div></li><li class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-lg-4 jss115 css-tpn07s"><div class="MuiBox-root css-0" data-cy="MenuDropdownTile-1"><a class="jss124 jss125 jss116" data-cy="MenuDropdownTile-1--card--link" 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aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24"><path fill="#818181" d="M8.59,16.58L13.17,12L8.59,7.41L10,6L16,12L10,18L8.59,16.58Z"></path></svg><a class="jss214" data-cy="Breadcrumbs--item" id="bd-col-40767987fd12-bc-31383-l-1" href="/[...*]">Klient indywidualny</a><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24"><path fill="#818181" d="M8.59,16.58L13.17,12L8.59,7.41L10,6L16,12L10,18L8.59,16.58Z"></path></svg><a class="jss214" data-cy="Breadcrumbs--item" id="bd-col-40767987fd12-bc-31383-l-2" href="/[...*]">Karty i płatności</a><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="12" height="12" viewBox="0 0 24 24"><path fill="#818181" d="M8.59,16.58L13.17,12L8.59,7.41L10,6L16,12L10,18L8.59,16.58Z"></path></svg><span class="jss214 jss216" aria-current="location" title="Aktualna lokalizacja">PKO Płacę później</span></nav></div></div></section><section class="MuiBox-root 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/api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png 1080w, /api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png 1200w, /api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png 1920w, /api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png 2048w, /api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png 3840w" src="/api/public/00a8c4ee-ac5e-4707-84f1-c4c7cef920b0.png" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/></span></div></div><div class="jss229 MuiBox-root css-0"><div class="jss233 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss150 sectionheader__supertitle jss254 jss251" data-cy="SectionHeader--title">PKO PŁACĘ PÓŹNIEJ</div><h1 class="jss152 sectionheader__title jss255 jss251" data-cy="SectionHeader--subtitle" id="">Kupujesz, kiedy potrzebujesz</h1></div><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace jss235" style="word-break:break-word"><ul style="list-style-type:checks"> <li><strong>Możesz mieć nawet 2000 zł</strong> na zakupy w sklepach internetowych (płatności BLIKIEM lub Płacę z iPKO) i stacjonarnych (które obsługują BLIKA)</li> <li><strong>Korzystasz z usługi za 0 zł</strong> – wystarczy, że spłacasz transakcje w ciągu 30 dni</li> <li><strong>Kupujesz, kiedy potrzebujesz</strong> – w czasie zakupów wybierz BLIK lub Płacę z iPKO, a następnie PKO Płacę później</li> <li> <p><a title="Więcej o promocji" href="https://www.pkobp.pl/k/pko-place-pozniej-rabaty-na-jesien"><strong>Kupuj taniej w CCC i Half Price</strong></a> - korzystaj z PKO Płacę później i odbierz zniżki do sklepów</p> </li> </ul></div><div class="jss240 MuiBox-root css-0"><button class="jss169 jss172 HeroCtaBtn" data-cy="Button-Aktywuj" type="button" tabindex="0" id="bd-col-4610ac6ed17c-hb-31384-pos-e8cf18ca6f09-btn-31390">Aktywuj</button></div><div class="jss242 MuiBox-root css-0"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="96" height="96" viewBox="0 0 96 96"><g transform="translate(-444 -765)"><rect width="66" height="66" transform="translate(459 780)" fill="#003574" opacity="0"></rect><g transform="translate(444 909)"><path data-name="Path 1694" d="M48.023-108.5a3.167,3.167,0,0,1-3.261-3.215,3.168,3.168,0,0,1,3.261-3.215,3.128,3.128,0,0,1,3.215,3.215A3.127,3.127,0,0,1,48.023-108.5ZM45.242-80v-20s-.439-4.85,5.518-4.85V-80Z" fill="#003574"></path><path data-name="Path 1693" d="M76-128a4,4,0,0,1,4,4v56a4,4,0,0,1-4,4H20a4,4,0,0,1-4-4v-56a4,4,0,0,1,4-4H76m0-4H20a8,8,0,0,0-8,8v56a8,8,0,0,0,8,8H76a8,8,0,0,0,8-8v-56a8,8,0,0,0-8-8Z" fill="#003574"></path></g></g></svg><span class="jss142 jss243" data-cy="Headline-">Aktywacja usługi PKO Płacę później zależy od pozytywnej oceny zdolności kredytowej.</span></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class="fullWidth MuiBox-root css-1ndk1zt"><div class="MuiBox-root css-0" data-type="SCROLLMENU" data-snippet="snippet"></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><a class="jss276 jss277 jss292 jss279" data-cy="--link" id="bd-col-bbb581ab7d41-b-104233" href="https://www.pkobp.pl/k/pko-place-pozniej-rabaty-na-jesien"><div class="jss288 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w bannerze" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w bannerze" _loading="lazy" sizes="100vw" srcSet="/api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 640w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 750w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 828w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 1080w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 1200w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 1920w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 2048w, /api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg 3840w" src="/api/public/c94898b9-1dca-4596-bab9-b0c4491fa610.jpg" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss284 MuiBox-root css-0"><span class="jss142 jss290 jss293" data-cy="Headline-">Promocja</span><h2 class="jss153 jss287" data-cy="Banner--subtitle">Kupuj taniej w CCC i Half Price</h2><div class="jss151 jss286" data-cy="Banner--subtitle">Korzystaj z PKO Płacę później i odbierz zniżki do sklepów</div></div></a></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss294" data-cy="Tiles-Kafelki" id="bd-col-a02be4a805fd-kfl-31398"><h2 class="jss153 jss295" style="text-align:center" data-cy="Tiles-Kafelki--subtitle">Co zyskuję z PKO Płacę później?</h2><div class="MuiGrid-root MuiGrid-container jss299 css-xplzgy" role="list"><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss302 css-fsse20" data-cy="undefined--item-container" id="bd-col-a02be4a805fd-kfl-31398-elem-a082549380b7" role="listitem"><div class="css-13bwzhb"><div class="jss304 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Nie musisz czekać z zakupami" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Nie musisz czekać z zakupami" _loading="lazy" sizes="100vw" srcSet="/api/public/599e6534-891f-4755-91ce-03987c1079d5.png 640w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 750w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 828w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 1080w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 1200w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 1920w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 2048w, /api/public/599e6534-891f-4755-91ce-03987c1079d5.png 3840w" src="/api/public/599e6534-891f-4755-91ce-03987c1079d5.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss305 css-npup23"><h3 class="jss154 jss306" data-cy="undefined--item-title">Nie musisz czekać z zakupami</h3><p class="jss145 jss307" data-cy="undefined--item-description">Chcesz złapać okazję? A może masz nagły wydatek? Zrób zakupy online lub w sklepie stacjonarnym, który obsługuje BLIKA – PKO Płacę później działa już od 50 zł</p></div></div></div><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss302 css-fsse20" data-cy="undefined--item-container" id="bd-col-a02be4a805fd-kfl-31398-elem-568c881904dc" role="listitem"><div class="css-13bwzhb"><div class="jss304 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Spłacasz, kiedy Ci wygodnie" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Spłacasz, kiedy Ci wygodnie" _loading="lazy" sizes="100vw" srcSet="/api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 640w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 750w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 828w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 1080w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 1200w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 1920w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 2048w, /api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png 3840w" src="/api/public/6c0014a0-d7f1-46fd-9f84-ebab7af0d978.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss305 css-npup23"><h3 class="jss154 jss306" data-cy="undefined--item-title">Spłacasz, kiedy Ci wygodnie</h3><p class="jss145 jss307" data-cy="undefined--item-description">Możesz korzystać z automatycznej spłaty po 30 dniach od transakcji – wystarczy, że zapewnisz pieniądze na koncie, które masz wskazane we wniosku o aktywację usługi. Wcześniej możesz spłacić zakupy samodzielnie – każda spłacona transakcja automatycznie aktualizuje Twój limit PKO Płacę później</p></div></div></div><div class="MuiGrid-root MuiGrid-item MuiGrid-grid-xs-12 MuiGrid-grid-sm-6 jss302 css-fsse20" data-cy="undefined--item-container" id="bd-col-a02be4a805fd-kfl-31398-elem-95365dc923a2" role="listitem"><div class="css-13bwzhb"><div class="jss304 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w kafelku Masz wszystko pod kontrolą" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w kafelku Masz wszystko pod kontrolą" _loading="lazy" sizes="100vw" srcSet="/api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 640w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 750w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 828w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 1080w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 1200w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 1920w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 2048w, /api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png 3840w" src="/api/public/b81e082f-48fe-4325-9f2b-b748b362851f.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div><div class="jss305 css-npup23"><h3 class="jss154 jss306" data-cy="undefined--item-title">Masz wszystko pod kontrolą</h3><p class="jss145 jss307" data-cy="undefined--item-description">Korzystasz z usługi online, w serwisie iPKO i aplikacji IKO - m.in. sprawdzisz datę każdej spłaty i kwotę limitu pozostałą do wykorzystania</p></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="MuiBox-root css-0" id="bd-col-58de599884d3-tab-31413"><h2 class="jss153 jss309" style="text-align:center" data-cy="Tabs-Taby--title"><span data-cy="Tabs-Taby--title" id="bd-col-58de599884d3-tab-31413-title">Jak zacząć korzystać?</span></h2><div class="jss311 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss314 MuiBox-root css-0" role="tablist" aria-labelledby="bd-col-58de599884d3-tab-31413-title"><button class="jss169 jss177 jss315 jss316" data-cy="Button-TabsItem--button" type="button" tabindex="0" id="bd-col-58de599884d3-tab-31413-btn-56e80130a3e2" role="tab" aria-selected="true" aria-controls="bd-col-58de599884d3-tab-31413-elem-56e80130a3e2"><span>W aplikacji IKO</span></button><button class="jss169 jss176 jss315" data-cy="Button-TabsItem--button" type="button" tabindex="-1" id="bd-col-58de599884d3-tab-31413-btn-b29843457190" role="tab" aria-selected="false" aria-controls="bd-col-58de599884d3-tab-31413-elem-b29843457190"><span>W serwisie iPKO</span></button></div></div><div class="MuiBox-root css-0"><div class="jss318 jss317 jss319 MuiBox-root css-0"><div class="jss320 MuiBox-root css-0" id="bd-col-58de599884d3-tab-31413-elem-56e80130a3e2" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-58de599884d3-tab-31413-btn-56e80130a3e2"><div class="jss203"><h3 class="jss154" data-cy="Headline-">W aplikacji IKO</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss325 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Przejdź do Płatności → PKO Płacę później</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Przeczytaj i zaakceptuj Regulamin oraz oświadczenia</div></div></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Poczekaj, aż udostępnimy Ci limit</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Po zbadaniu Twojej zdolności kredytowej pokażemy Ci naszą propozycję limitu - to kwota, do której możesz płacić za swoje zakupy w ramach usługi</div></div></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Potwierdź aktywację usługi swoim narzędziem autoryzacji</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Już możesz robić zakupy z PKO Płacę później</div></div></div></li></ul><div class="jss322 css-j7qwjs"></div></div></div><div class="jss320 jss321 MuiBox-root css-0" id="bd-col-58de599884d3-tab-31413-elem-b29843457190" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-58de599884d3-tab-31413-btn-b29843457190"><div class="jss203"><h3 class="jss154" data-cy="Headline-">W serwisie iPKO</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss325 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Przejdź do Płatności → PKO Płacę później</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Przeczytaj i zaakceptuj Regulamin oraz oświadczenia</div></div></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Poczekaj, aż udostępnimy Ci limit</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Po zbadaniu Twojej zdolności kredytowej pokażemy Ci naszą propozycję limitu - to kwota, do której możesz płacić za swoje zakupy w ramach usługi</p></div></div></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Potwierdź aktywację usługi narzędziem autoryzacji</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Już możesz robić zakupy z PKO Płacę później</p></div></div></div></li></ul><div class="jss322 css-j7qwjs"></div></div></div></div></div></div><div class="jss310 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word" data-cy="Tabs-Taby--notes"><p style="text-align:center">Usługę możesz też aktywować w oddziale lub na infolinii.</p></div></div></div></div><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:48px" data-snippet="snippet"><div class="jss332 jss334 MuiBox-root css-0" id="bd-col-58de599884d3-vid-31423"><div class="jss336 jss338 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Film z instrukcją PKO Płacę później" title="Film z instrukcją PKO Płacę później" _loading="eager" sizes="100vw" srcSet="/api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 640w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 750w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 828w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 1080w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 1200w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 1920w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 2048w, /api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg 3840w" src="/api/public/a4503316-302a-4307-90dd-c4231f4feedf.jpg" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/></span></div><div class="jss345 MuiBox-root css-0"><button class="jss346" id="bd-col-58de599884d3-vid-31423-btn"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="35" viewBox="0 0 25 35" class="jss347"><path id="Polygon_1" data-name="Polygon 1" d="M15.862,2.341a2,2,0,0,1,3.277,0L32.8,21.853A2,2,0,0,1,31.159,25H3.841A2,2,0,0,1,2.2,21.853Z" transform="translate(25) rotate(90)" fill="#fff"></path></svg></button></div></div><div class="jss340 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss150 jss341" data-cy="Video--supertitle">Film z instrukcją</div><h3 class="jss154 jss342" data-cy="Video--title">Jak aktywować usługę PKO Płacę później w serwisie iPKO?</h3></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="MuiBox-root css-0" id="bd-col-2bc30176040f-tab-31427"><h2 class="jss153 jss309" style="text-align:center" data-cy="Tabs-Taby--title"><span data-cy="Tabs-Taby--title" id="bd-col-2bc30176040f-tab-31427-title">Jak zapłacić z PKO Płacę później?</span></h2><div class="jss311 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss314 MuiBox-root css-0" role="tablist" aria-labelledby="bd-col-2bc30176040f-tab-31427-title"><button class="jss169 jss177 jss315 jss316" data-cy="Button-TabsItem--button" type="button" tabindex="0" id="bd-col-2bc30176040f-tab-31427-btn-d9e51ac0da82" role="tab" aria-selected="true" aria-controls="bd-col-2bc30176040f-tab-31427-elem-d9e51ac0da82"><span>Jeśli płacisz BLIKIEM</span></button><button class="jss169 jss176 jss315" data-cy="Button-TabsItem--button" type="button" tabindex="-1" id="bd-col-2bc30176040f-tab-31427-btn-0b8e06f85b83" role="tab" aria-selected="false" aria-controls="bd-col-2bc30176040f-tab-31427-elem-0b8e06f85b83"><span>Jeśli płacisz metodą Płacę z iPKO</span></button></div></div><div class="MuiBox-root css-0"><div class="jss318 jss317 jss319 MuiBox-root css-0"><div class="jss320 MuiBox-root css-0" id="bd-col-2bc30176040f-tab-31427-elem-d9e51ac0da82" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-2bc30176040f-tab-31427-btn-d9e51ac0da82"><div class="jss203"><h3 class="jss154" data-cy="Headline-">Jeśli płacisz BLIKIEM</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss325 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Wybierz BLIK jako metodę płatności</h4><div class="jss331 MuiBox-root css-0"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p><strong>Pamiętaj! </strong>Usługa nie dotyczy płatności BLIK realizowanych w trybie automatycznego potwierdzania. Minimalna kwota transakcji to 50 zł</p></div></div></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Wygeneruj kod BLIK w aplikacji IKO i wpisz go na terminalu w sklepie stacjonarnym lub w sklepie online</h4></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">W aplikacji IKO kliknij PKO Płacę później i zaakceptuj płatność</h4></div></li></ul><div class="jss322 css-j7qwjs"></div></div></div><div class="jss320 jss321 MuiBox-root css-0" id="bd-col-2bc30176040f-tab-31427-elem-0b8e06f85b83" data-cy="TabsItem--tab-content" role="tabpanel" aria-labeledby="bd-col-2bc30176040f-tab-31427-btn-0b8e06f85b83"><div class="jss203"><h3 class="jss154" data-cy="Headline-">Jeśli płacisz metodą Płacę z iPKO</h3></div><div class="MuiBox-root css-0" style="opacity:0;visibility:visible"><ul class="jss325 MuiBox-root css-0" data-cy="TabsStep--container"><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-0"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">1</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Wybierz Płacę z iPKO jako metodę płatności</h4></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-1"><div class="jss327 MuiBox-root css-0"></div><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">2</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Zaloguj się i kliknij PKO Płacę później</h4></div></li><li class="jss326 MuiBox-root css-0" data-cy="TabsStep--item-2"><div class="jss328 MuiBox-root css-0" data-cy="TabsStep--order">3</div><div class="jss329 MuiBox-root css-0"><h4 class="jss155 jss330" data-cy="TabsStep--title">Potwierdź płatność swoim narzędziem autoryzacji</h4></div></li></ul><div class="jss322 css-j7qwjs"></div></div></div></div></div></div></div></div><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:48px" data-snippet="snippet"><div class="jss332 jss334 MuiBox-root css-0" id="bd-col-2bc30176040f-vid-31437"><div class="jss336 jss338 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Film z instrukcją PKO Płacę później" title="Film z instrukcją PKO Płacę później" _loading="eager" sizes="100vw" srcSet="/api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 640w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 750w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 828w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 1080w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 1200w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 1920w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 2048w, /api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg 3840w" src="/api/public/210a3fc4-2ba1-486b-9ed2-c0c8bf99fa50.jpg" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/></span></div><div class="jss345 MuiBox-root css-0"><button class="jss346" id="bd-col-2bc30176040f-vid-31437-btn"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="35" viewBox="0 0 25 35" class="jss347"><path id="Polygon_1" data-name="Polygon 1" d="M15.862,2.341a2,2,0,0,1,3.277,0L32.8,21.853A2,2,0,0,1,31.159,25H3.841A2,2,0,0,1,2.2,21.853Z" transform="translate(25) rotate(90)" fill="#fff"></path></svg></button></div></div><div class="jss340 MuiBox-root css-0"><div class="MuiBox-root css-0"><div class="jss150 jss341" data-cy="Video--supertitle">Film z instrukcją</div><h3 class="jss154 jss342" data-cy="Video--title">Jak płacić usługą PKO Płacę później za zakupy online?</h3></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:48px" data-snippet="snippet"><div class="jss360 MuiBox-root css-0" data-cy="SnippetAccordion--container" id="bd-col-fef9e010c73e-an-31441"><div class="jss361 MuiBox-root css-0"><h2 class="jss153 jss363" style="text-align:center" data-cy="Headline-SnippetAccordion--title"><span>Pytania i odpowiedzi</span></h2></div><ul class="MuiBox-root css-0"><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-0--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-21a50befd051" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-0--accordion-title" name="SnippetAccordion--position-0--accordion-title"><span>Jak zarządzać swoją usługą PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-21a50befd051" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><ul> <li>W aplikacji IKO i serwisie iPKO sprawdzisz: <ul> <li>Kwotę do wykorzystania i do spłaty w ramach limitu PKO Płacę później</li> <li>Listę transakcji już spłaconych i pozostałych do spłaty</li> <li>Datę najbliższej spłaty. Na spłatę transakcji masz maksymalnie 30 dni.</li> </ul> </li> <li>Jeżeli chcesz spłacić daną transakcję na liście, rozwiń <strong>menu </strong>(ikonka 3 kropek) i wybierz <strong>Spłać teraz</strong> – możesz to zrobić, gdy transakcja jest już zaksięgowana</li> <li>Jeżeli chcesz zrezygnować z usługi PKO Płacę później, rozwiń <strong>menu </strong>(ikonka 3 kropek) przy nazwie usługi i wybierz opcję rezygnacji</li> <li>Możesz pobrać potwierdzenie transakcji, gdy jej kwota się zaksięguje</li> <li>Jeżeli dzień spłaty wypada na sobotę lub dzień ustawowo wolny od pracy, termin spłaty wypada wtedy w najbliższy dzień roboczy</li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-1--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-58eb2c392ae7" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-1--accordion-title" name="SnippetAccordion--position-1--accordion-title"><span>Jak działa limit płatniczy PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-58eb2c392ae7" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Masz <strong>1000 zł</strong> limitu do wykorzystania</p> <ul> <li>Jeżeli <strong>28 października</strong> zrobisz pierwsze zakupy za <strong>150 zł</strong>: <ul> <li>Pozostała kwota limitu do wykorzystania to <strong>850 zł</strong></li> <li>Termin spłaty to poniedziałek, 28 listopada – ponieważ 30. dzień od dokonania transakcji wypada w niedzielę 27 listopada, termin przesunie się na poniedziałek</li> </ul> </li> <li>Jeżeli <strong>30 października</strong> zrobisz drugie zakupy za <strong>300 zł</strong>: <ul> <li>Pozostała kwota limitu do wykorzystania to <strong>550 zł</strong></li> <li>Termin spłaty to wtorek, 29 listopada</li> </ul> </li> <li>Gdy <strong>16 listopada</strong> samodzielnie spłacisz drugie zakupy za <strong>300 zł</strong>: <ul> <li>Pozostała kwota limitu do wykorzystania to <strong>850 zł</strong></li> </ul> </li> <li>Gdy <strong>28 listopada</strong> automatycznie spłacą się pierwsze zakupy za <strong>150 zł</strong>: <ul> <li>Po spłacie masz <strong>1000 zł</strong> limitu do wykorzystania</li> </ul> </li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-2--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-45d139aab89c" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-2--accordion-title" name="SnippetAccordion--position-2--accordion-title"><span>Czy aktywacja i korzystanie z usługi są płatne?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-45d139aab89c" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Nie – <strong>nie pobieramy żadnych opłat ani prowizji za aktywację i korzystanie z usługi</strong> pod warunkiem, że spłacasz transakcje w wyznaczonym terminie.</p> <p>Jeśli nie spłacisz transakcji w terminie, od zadłużenia przeterminowanego pobierzemy odsetki ustawowe za opóźnienie. Wysokość oprocentowania od zadłużenia przeterminowanego na <span style="color:#000000">05.10.2023</span> to 11,25% (suma stopy referencyjnej NBP i 5,5 p.p.).</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-3--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-679974e3fb03" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-3--accordion-title" name="SnippetAccordion--position-3--accordion-title"><span>Czy mogę złożyć wniosek o usługę PKO Płacę później, jeśli mam konto założone na selfie?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-679974e3fb03" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p><span style="text-align:left">Nie, najpierw musisz odwiedzić nasz oddział i zweryfikować swoją tożsamość.</span></p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-4--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-9a352648b56d" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-4--accordion-title" name="SnippetAccordion--position-4--accordion-title"><span>Czy podczas aktywacji lub podwyższenia kwoty limitu PKO Płacę później sprawdzane jest zastrzeżenie nr PESEL?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-9a352648b56d" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, możesz zawrzeć umowę lub podwyższyć limit, jeśli masz niezastrzeżony nr PESEL – <a href="https://www.pkobp.pl/aktualnosci/bezpieczenstwo/zastrzezenie-pesel-co-zmieni-sie-od-1-czerwca-2024" target="_blank" rel="noopener">dowiedz się więcej</a></p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-5--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-47caf4a46dc7" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-5--accordion-title" name="SnippetAccordion--position-5--accordion-title"><span>Jaka jest minimalna i maksymalna wartość płatności PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-47caf4a46dc7" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word">Minimalna wartość płatności to 50 zł, a maksymalna nie może przekraczać Twojego limitu PKO Płacę później.</div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-6--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-4a7943934f79" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-6--accordion-title" name="SnippetAccordion--position-6--accordion-title"><span>Gdzie sprawdzę swój limit PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-4a7943934f79" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>W serwisie iPKO:</p> <ul> <li>Strona startowa <strong>Moje produkty</strong> → <strong>PKO Płacę później</strong></li> <li>Menu główne <strong>Moje produkty</strong>→ <strong>PKO Płacę później</strong></li> <li><strong>Płatności</strong> → <strong>Inne usługi</strong> → <strong>PKO Płacę później</strong></li> </ul> <p>W aplikacji IKO:</p> <ul> <li>Na ekranie startowym aplikacji.</li> <li>Dolne menu → <strong>Moje Produkty</strong> → <strong>PKO Płacę później</strong></li> <li>Dolne menu → <strong>Płatności</strong> → <strong>PKO Płacę później</strong></li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-7--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-fe1f8ffc9ee2" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-7--accordion-title" name="SnippetAccordion--position-7--accordion-title"><span>Jak wygląda zwrot pieniędzy, gdy zrezygnuję z zakupu?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-fe1f8ffc9ee2" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><ul> <li>Gdy rezygnujesz z zakupu i chcesz dostać zwrot pieniędzy, postępuj zgodnie z zasadami zwrotu w danym sklepie</li> <li>Jeżeli dostaniesz zwrot na rachunek PKO Płacę później, automatycznie przeksięgujemy pieniądze na Twoje konto wskazane do spłaty transakcji</li> <li>Pamiętaj: spłać transakcję PKO Płacę później samodzielnie lub poczekaj na spłatę automatyczną</li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-8--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-7e3733f74fcb" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-8--accordion-title" name="SnippetAccordion--position-8--accordion-title"><span>Jak samodzielnie spłacić transakcję?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-7e3733f74fcb" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Jeżeli chcesz wcześniej samodzielnie spłacić daną transakcję ze swojej listy, rozwiń menu (ikonka 3 kropek) i wybierz <strong>Spłać teraz</strong> – możesz to zrobić, gdy transakcja jest już zaksięgowana. Blokady rozliczamy w ciągu 7 dni.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-9--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-20563909987f" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-9--accordion-title" name="SnippetAccordion--position-9--accordion-title"><span>Czy mogę spłacić samodzielnie część jednej transakcji lub czy mogę rozłożyć ją na raty?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-20563909987f" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Transakcję spłaca się w całości – nie można rozłożyć jej na raty. Jeżeli spłacasz ją samodzielnie, również musisz zrobić to w całości.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-10--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-03b2cdacec79" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-10--accordion-title" name="SnippetAccordion--position-10--accordion-title"><span>Co się stanie, jeżeli po 30 dniach nie spłacisz zakupów?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-03b2cdacec79" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><ul> <li>Transakcja, której nie spłacisz po 30 dniach, staje się tzw. zadłużeniem przeterminowanym – od tego momentu zablokujemy PKO Płacę później. Usługa zacznie automatycznie działać, gdy spłacisz zadłużenie i spełnisz warunki określone w <a title="Otwórz regulamin" href="https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf" target="_blank" rel="noopener">Regulaminie</a></li> <li>Od zadłużenia przeterminowanego naliczamy i pobieramy odsetki ustawowe za opóźnienie w wysokości sumy stopy referencyjnej NBP i 5,5 p.p.</li> <li><span style="color:#000000">Wysokość oprocentowania od zadłużenia przeterminowanego na 05.10.2023 to 11,25%</span>. <a href="https://www.pkobp.pl/oprocentowanie">Dowiedz się więcej</a></li> <li>Zadłużenia przeterminowanego nie możesz spłacić samodzielnie – zrobimy to automatycznie. Wystarczy, że zapewnisz odpowiednią kwotę pieniędzy na koncie do spłaty – jeżeli jej nie będzie, spróbujemy pobrać spłatę w kolejnym dniu</li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-11--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-caf961145636" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-11--accordion-title" name="SnippetAccordion--position-11--accordion-title"><span>Czy dostanę przypomnienie o spłacie?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-caf961145636" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, wysyłamy bezpłatne powiadomienia, m.in. o zbliżającym się terminie spłaty.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-12--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-801ce200d0f2" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-12--accordion-title" name="SnippetAccordion--position-12--accordion-title"><span>Co się stanie, jeśli na koncie do spłaty mam za mało pieniędzy na automatyczną spłatę?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-801ce200d0f2" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>W takiej sytuacji pobierzemy wszystkie dostępne pieniądze i zablokujemy usługę. Kwota, której brakuje, stanie się zadłużeniem przeterminowanym. Dlatego pamiętaj, żeby na koncie do spłaty zapewnić odpowiednią kwotę.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-13--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-9640fe608108" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-13--accordion-title" name="SnippetAccordion--position-13--accordion-title"><span>Dlaczego po wybraniu Płacę z iPKO nie widzę opcji PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-9640fe608108" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Sprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-14--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-5127d3ba0ad1" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-14--accordion-title" name="SnippetAccordion--position-14--accordion-title"><span>Dlaczego po wybraniu płatności z PKO Bankiem Polskim nie widzę opcji PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-5127d3ba0ad1" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>W takim przypadku wybierz płatność BLIKIEM, a potem skorzystaj z usługi PKO Płacę później.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-15--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-4117cdf4d20c" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-15--accordion-title" name="SnippetAccordion--position-15--accordion-title"><span>Dlaczego po wybraniu BLIKA nie widzę opcji PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-4117cdf4d20c" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Sprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później. Upewnij się, że nie robisz zakupów bez kodu BLIK z automatycznym potwierdzaniem – wtedy PKO Płacę później nie działa.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-16--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-f3bf3041831d" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-16--accordion-title" name="SnippetAccordion--position-16--accordion-title"><span>Jak długo działa usługa PKO Płacę później od momentu aktywacji?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-f3bf3041831d" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Limit jest ważny 12 miesięcy i odnawia się automatycznie, jeżeli spełnisz warunki określone w <a title="Otwórz regulamin" href="https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf" target="_blank" rel="noopener">Regulaminie</a></p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-17--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-0161b3bded35" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-17--accordion-title" name="SnippetAccordion--position-17--accordion-title"><span>Czy mogę zwiększyć aktywny limit PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-0161b3bded35" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, limit możesz zwiększyć maks. <strong>do</strong> <strong>2 000 zł.</strong> Jeżeli chcesz złożyć wniosek o zwiększenie limitu:</p> <ol> <li><span>Wybierz PKO Płacę później w aplikacji IKO lub serwisie iPKO</span></li> <li><span>Rozwiń <strong>menu</strong><strong> </strong>(ikona 3 kropek) przy nazwie usługi</span></li> <li><span>Wybierz <strong>Zwiększ limit do wykorzystania</strong></span></li> </ol> <p>Wniosek możesz złożyć też w oddziale lub na infolinii.</p> <p>Podwyższenie kwoty limitu PKO Płacę później zależy od oceny zdolności kredytowej.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-18--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-849813be165e" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-18--accordion-title" name="SnippetAccordion--position-18--accordion-title"><span>Mam konto wspólne – czy mogę dla niego włączyć więcej niż jeden limit PKO Płacę później?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-849813be165e" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Aktywacja usługi PKO Płacę później zależy od pozytywnej oceny zdolności kredytowej. Jeśli taką macie, każde z Was może aktywować usługę.</p></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-19--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-c54f42be2463" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-19--accordion-title" name="SnippetAccordion--position-19--accordion-title"><span>Jak mogę zrezygnować z usługi?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-c54f42be2463" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>W serwisie iPKO lub aplikacji IKO:</p> <ol> <li><span>Rozwiń menu (ikonka 3 kropek) przy nazwie usługi</span></li> <li><span>Kliknij <strong>Zrezygnuj z usługi</strong></span></li> </ol> <p>Po wyłączeniu usługi:</p> <ul> <li>nie możesz już pobrać potwierdzenia swoich płatności – dlatego zrób to <strong>przed rezygnacją</strong></li> <li>historię płatności możesz otrzymać w dowolnym oddziale</li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-20--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-07cdb21e0b0d" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-20--accordion-title" name="SnippetAccordion--position-20--accordion-title"><span>Jak mogę odstąpić od umowy?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-07cdb21e0b0d" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Możesz odstąpić od umowy PKO Płacę później bez podawania przyczyny <strong>do 14 dni</strong> od jej zawarcia:</p> <ul> <li>w serwisie iPKO lub aplikacji IKO – wybierz <strong>PKO Płacę później</strong>, rozwiń <strong>menu</strong> (ikona 3 kropek) i kliknij <strong>Zrezygnuj z usługi</strong> → <strong>Odstąp od umowy</strong></li> <li>na infolinii</li> <li>podczas wizyty w naszym oddziale</li> <li>pisemnie – wyślij nam oświadczenie (<a title="Pobierz wzór oświadczenia" href="https://www.pkobp.pl/api/public/8f57848b-c850-4ccb-9e39-35e0ab979c22.pdf" target="_blank" rel="noopener">przykładowy wzór oświadczenia z podanym adresem</a>)</li> </ul></div></div></div></div></div></div></div></li><li class="jss367 MuiBox-root css-0"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root jss368 MuiAccordion-rounded MuiAccordion-gutters css-152tkn5" data-cy="SnippetAccordion--position-21--accordion"><div class="MuiButtonBase-root MuiAccordionSummary-root jss370 jss371 MuiAccordionSummary-gutters css-1iji0d4" tabindex="0" role="button" aria-expanded="false" id="bd-col-fef9e010c73e-an-31441-pos-80e0b11e3b08" aria-label="Zwiń lub rozwiń sekcję "><div class="MuiAccordionSummary-content jss372 MuiAccordionSummary-contentGutters css-17o5nyn"><h3 class="jss154 jss376 jss377" data-cy="Headline-SnippetAccordion--position-21--accordion-title" name="SnippetAccordion--position-21--accordion-title"><span>Czy po odmowie aktywacji usługi PKO Płacę później mogę ponownie złożyć wniosek?</span></h3></div><div class="MuiAccordionSummary-expandIconWrapper jss373 css-1fx8m19"><div class="jss378"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24"><defs><style>.a{fill:rgba(242,242,242,0);}.b{fill:#003574;stroke:#003574;stroke-width:0.5px;}</style></defs><g transform="translate(24) rotate(90)"><g transform="translate(4 32) rotate(-90)"><rect class="a" width="24" height="24" transform="translate(8 -4)"></rect><path class="b" d="M15.2,8.86l-3.924,3.963L7.263,8.86a1.323,1.323,0,0,0-1.871,0l4.949,4.9.935.935.936-.935,4.859-4.9A1.322,1.322,0,0,0,15.2,8.86Z" transform="translate(8.769 -3.583)"></path></g></g></svg></div></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div aria-labelledby="bd-col-fef9e010c73e-an-31441-pos-80e0b11e3b08" role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root jss374 jss375 css-u7qq7e" role="section"><div class="pkobp-wysiwyg pkobp-wysiwyg__isNotWorkspace" style="word-break:break-word"><p>Tak, ale nie ma pewności, że umożliwimy Ci korzystanie z usługi. Warunkiem aktywacji usługi jest spełnienie warunków określonych w <a title="Otwórz regulamin" href="https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf" target="_blank" rel="noopener">Regulaminie</a> i posiadanie zdolności kredytowej</p></div></div></div></div></div></div></div></li></ul></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="jss379"><div class="jss392"><div class="MuiBox-root css-0" style="padding-top:48px;padding-bottom:0px" data-snippet="snippet"><a class="jss276 jss282 jss279" data-cy="--link" target="_blank" id="bd-col2-a7f7bafed43f-b-93403" href="https://www.pkobp.pl/aktualnosci/rozbilismy-bank-nagrod"><div class="jss284 MuiBox-root css-0"><h3 class="jss154 jss287" data-cy="Banner--subtitle">Celent Model Bank 2024</h3><div class="jss151 jss286" data-cy="Banner--subtitle">Nasza usługa nagrodzona w kategorii <strong>wzmacniania pozycji klienta</strong></div></div><div class="jss288 jss289 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w bannerze" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w bannerze" _loading="lazy" sizes="100vw" srcSet="/api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 640w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 750w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 828w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 1080w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 1200w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 1920w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 2048w, /api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png 3840w" src="/api/public/db3d6295-a0b3-4bfd-9717-984d4fa5addb.png" decoding="async" data-nimg="fill" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" class="jss248 jss249" loading="lazy"/></noscript></span></div></div></a></div></div><div class="jss392"><div class="MuiBox-root css-0" style="padding-top:18px;padding-bottom:48px" data-snippet="snippet"><a class="jss276 jss282 jss279" data-cy="--link" target="_blank" id="bd-col2-a7f7bafed43f-b-93411" href="https://www.pkobp.pl/aktualnosci/pko-place-pozniej-z-nagroda-w-konkursie-digital-excellence-awards-2023/"><div class="jss284 MuiBox-root css-0"><h3 class="jss154 jss287" data-cy="Banner--subtitle">Digital Excellence Awards 2023</h3><div class="jss151 jss286" data-cy="Banner--subtitle">Usługa PKO Płacę później otrzymała <strong>nagrodę społeczności</strong></div></div><div class="jss288 jss289 MuiBox-root css-0"><div class="next-image-classname jss246 jss247"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Grafika w bannerze" _loading="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fill" class="jss248 jss249" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Grafika w bannerze" _loading="lazy" sizes="100vw" 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</td><td>Kupno</td><td>Sprzedaż</td></tr></thead><tbody><tr><td>CHF</td><td>4.4856</td><td>4.7631</td></tr><tr><td>USD</td><td>3.9055</td><td>4.2736</td></tr><tr><td>GBP</td><td>4.9540</td><td>5.4209</td></tr><tr><td>EUR</td><td>4.1032</td><td>4.4898</td></tr></tbody></table></div></div></div></div></div></div></div></section><section class="MuiBox-root css-j1fy4m"><div class=" MuiBox-root css-qjhgjx"><div class="MuiBox-root css-0" style="padding-top:0px;padding-bottom:0px" data-snippet="snippet"><div class="MuiBox-root css-6yavch" data-cy="Separator-Separator"><hr class="MuiDivider-root MuiDivider-fullWidth css-15vrnbb"/></div></div><div class="MuiBox-root css-0" style="padding-top:24px;padding-bottom:24px" data-snippet="snippet"><div class="jss429 MuiBox-root css-0" data-cy="Logotypes-Logotypy" id="g-ft-col-37de670174a2-logo-65446"><div class="jss434 MuiBox-root css-0"><p class="jss143 jss435" data-cy="Headline-"><a class="jss436" data-cy="Logotypes-Logotypy--title--link" 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A Ty na spłatę masz, aż 30 dni\n\nPrzeczytaj więcej o PKO Płacę później: https://www.pkobp.pl/klienci-indywidualni/bankowosc-elektroniczna/pko-place-pozniej/\n\n\nOdwiedź nas na: https://www.pkobp.pl\n\nObserwuj nas w mediach społecznościowych:\nFacebook: https://www.facebook.com/PKOBankPolski/\nTwitter: http://twitter.com/pkobp?lang=pl\nInstagram: https://www.instagram.com/pkobp/\nLinkedIn: https://www.linkedin.com/company/pko-bp\nGrupa na Facebooku Dzień Dobry Kariero: https://www.facebook.com/groups/dziendobrykariero/\nBankomania: http://www.bankomania.pkobp.pl","publishedAt":"2022-11-29T09:03:36Z"},"statistics":{"viewCount":"98"},"contentDetails":{"duration":"PT1M22S","contentRating":{}}},"category":"basic","spacings":null,"photo_url":"","video_url":"https://youtu.be/cWbuMd6Q7Vk","aria_label":null,"created_by":"","defaultName":"VideoItem","is_searchable":false,"hide_on_mobile":false},"prefix":"vid","created":"2024-11-18T12:52:42.308791+01:00","category":"basic","spacings":{"mobile":{"mb":24,"mt":0},"tablet":{"mb":28,"mt":0},"desktop":{"mb":28,"mt":0}},"elementId":"undefined-Vid-1601","supertitle":"Film z instrukcją","action_type":"do_none","defaultName":"Video","is_searchable":false,"structure_404":null,"hide_on_mobile":false,"modal_rendered":null,"page_structure":382,"display_variant":"framed","elementIdPrefix":"Vid"}],"marginTop":0,"defaultName":"Layout kolumnowy","marginBottom":0,"placeholders":null},{"key":"layout100-d57ac5fc-c0e4-426d-96cf-fef9e010c73e","name":"1 kolumna","type":"layout100","index":8,"category":"layout","children":[{"id":31441,"key":"accordion-15252eb1-0fec-4168-876d-d1fd754540c3","name":"Akordeon","type":"accordion","error":null,"index":1,"title":{"hx":2,"id":31442,"name":"Text","text":"Pytania i odpowiedzi","type":"text","created":"2024-11-18T12:52:42.510866+01:00","category":"Bazowy","spacings":null,"defaultName":"Text","is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382,"is_searchable_option":false},"prefix":"an","created":"2024-11-18T12:52:42.352802+01:00","category":"basic","spacings":{"mobile":{"mb":24,"mt":24},"tablet":{"mb":28,"mt":28},"desktop":{"mb":28,"mt":28}},"subtitle":null,"elementId":"undefined-an-1605","positions":[{"id":31443,"key":"27f8c4c0-0761-408b-9a42-21a50befd051","name":"Akordeon - pozycja","type":"accordion_position","index":1,"title":"Jak zarządzać swoją usługą PKO Płacę później?","expand":false,"content":"\u003cul\u003e\n\u003cli\u003eW aplikacji IKO i serwisie iPKO sprawdzisz:\n\u003cul\u003e\n\u003cli\u003eKwotę do wykorzystania i do spłaty w ramach limitu PKO Płacę później\u003c/li\u003e\n\u003cli\u003eListę transakcji już spłaconych i pozostałych do spłaty\u003c/li\u003e\n\u003cli\u003eDatę najbliższej spłaty. Na spłatę transakcji masz maksymalnie 30 dni.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003eJeżeli chcesz spłacić daną transakcję na liście, rozwiń \u003cstrong\u003emenu \u003c/strong\u003e(ikonka 3 kropek) i wybierz \u003cstrong\u003eSpłać teraz\u003c/strong\u003e – możesz to zrobić, gdy transakcja jest już zaksięgowana\u003c/li\u003e\n\u003cli\u003eJeżeli chcesz zrezygnować z usługi PKO Płacę później, rozwiń \u003cstrong\u003emenu \u003c/strong\u003e(ikonka 3 kropek) przy nazwie usługi i wybierz opcję rezygnacji\u003c/li\u003e\n\u003cli\u003eMożesz pobrać potwierdzenie transakcji, gdy jej kwota się zaksięguje\u003c/li\u003e\n\u003cli\u003eJeżeli dzień spłaty wypada na sobotę lub dzień ustawowo wolny od pracy, termin spłaty wypada wtedy w najbliższy dzień roboczy\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:42.524529+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31444,"key":"e2456506-1f80-4c8d-8cee-58eb2c392ae7","name":"Akordeon - pozycja","type":"accordion_position","index":2,"title":"Jak działa limit płatniczy PKO Płacę później?","expand":false,"content":"\u003cp\u003eMasz \u003cstrong\u003e1000 zł\u003c/strong\u003e limitu do wykorzystania\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eJeżeli \u003cstrong\u003e28 października\u003c/strong\u003e zrobisz pierwsze zakupy za \u003cstrong\u003e150 zł\u003c/strong\u003e:\n\u003cul\u003e\n\u003cli\u003ePozostała kwota limitu do wykorzystania to \u003cstrong\u003e850 zł\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003eTermin spłaty to poniedziałek, 28 listopada – ponieważ 30. dzień od dokonania transakcji wypada w niedzielę 27 listopada, termin przesunie się na poniedziałek\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003eJeżeli \u003cstrong\u003e30 października\u003c/strong\u003e zrobisz drugie zakupy za \u003cstrong\u003e300 zł\u003c/strong\u003e:\n\u003cul\u003e\n\u003cli\u003ePozostała kwota limitu do wykorzystania to \u003cstrong\u003e550 zł\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003eTermin spłaty to wtorek, 29 listopada\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003eGdy \u003cstrong\u003e16 listopada\u003c/strong\u003e samodzielnie spłacisz drugie zakupy za \u003cstrong\u003e300 zł\u003c/strong\u003e: \n\u003cul\u003e\n\u003cli\u003ePozostała kwota limitu do wykorzystania to \u003cstrong\u003e850 zł\u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003eGdy \u003cstrong\u003e28 listopada\u003c/strong\u003e automatycznie spłacą się pierwsze zakupy za \u003cstrong\u003e150 zł\u003c/strong\u003e:\n\u003cul\u003e\n\u003cli\u003ePo spłacie masz \u003cstrong\u003e1000 zł\u003c/strong\u003e limitu do wykorzystania\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:42.538051+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31445,"key":"f774e131-4a51-4bda-af01-45d139aab89c","name":"Akordeon - pozycja","type":"accordion_position","index":3,"title":"Czy aktywacja i korzystanie z usługi są płatne?","expand":false,"content":"\u003cp\u003eNie – \u003cstrong\u003enie pobieramy żadnych opłat ani prowizji za aktywację i korzystanie z usługi\u003c/strong\u003e pod warunkiem, że spłacasz transakcje w wyznaczonym terminie.\u003c/p\u003e\n\u003cp\u003eJeśli nie spłacisz transakcji w terminie, od zadłużenia przeterminowanego pobierzemy odsetki ustawowe za opóźnienie. Wysokość oprocentowania od zadłużenia przeterminowanego na \u003cspan style=\"color: #000000;\"\u003e05.10.2023\u003c/span\u003e to 11,25% (suma stopy referencyjnej NBP i 5,5 p.p.).\u003c/p\u003e","created":"2024-11-18T12:52:42.552427+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":75460,"key":"9de88f43-ba2a-43c5-b4df-679974e3fb03","name":"Akordeon - pozycja","type":"accordion_position","index":4,"title":"Czy mogę złożyć wniosek o usługę PKO Płacę później, jeśli mam konto założone na selfie?","expand":false,"content":"\u003cp\u003e\u003cspan style=\"text-align: left;\"\u003eNie, najpierw musisz odwiedzić nasz oddział i zweryfikować swoją tożsamość.\u003c/span\u003e\u003c/p\u003e","created":"2024-11-18T12:52:43.908674+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":67675,"key":"557346f7-cac0-45d1-b0ec-9a352648b56d","name":"Akordeon - pozycja","type":"accordion_position","index":5,"title":"Czy podczas aktywacji lub podwyższenia kwoty limitu PKO Płacę później sprawdzane jest zastrzeżenie nr PESEL?","expand":false,"content":"\u003cp\u003eTak, możesz zawrzeć umowę lub podwyższyć limit, jeśli masz niezastrzeżony nr PESEL – \u003ca href=\"https://www.pkobp.pl/aktualnosci/bezpieczenstwo/zastrzezenie-pesel-co-zmieni-sie-od-1-czerwca-2024\" target=\"_blank\" rel=\"noopener\"\u003edowiedz się więcej\u003c/a\u003e\u003c/p\u003e","created":"2024-11-18T12:52:40.207992+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31446,"key":"a832b52e-acb6-4c54-9f57-47caf4a46dc7","name":"Akordeon - pozycja","type":"accordion_position","index":6,"title":"Jaka jest minimalna i maksymalna wartość płatności PKO Płacę później?","expand":false,"content":"Minimalna wartość płatności to 50 zł, a maksymalna nie może przekraczać Twojego limitu PKO Płacę później.","created":"2024-11-18T12:52:42.566579+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31447,"key":"f11106dc-3883-4537-b371-4a7943934f79","name":"Akordeon - pozycja","type":"accordion_position","index":7,"title":"Gdzie sprawdzę swój limit PKO Płacę później?","expand":false,"content":"\u003cp\u003eW serwisie iPKO:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eStrona startowa \u003cstrong\u003eMoje produkty\u003c/strong\u003e → \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003eMenu główne \u003cstrong\u003eMoje produkty\u003c/strong\u003e→ \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003e\u003cstrong\u003ePłatności\u003c/strong\u003e → \u003cstrong\u003eInne usługi\u003c/strong\u003e → \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eW aplikacji IKO:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eNa ekranie startowym aplikacji.\u003c/li\u003e\n\u003cli\u003eDolne menu → \u003cstrong\u003eMoje Produkty\u003c/strong\u003e → \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003eDolne menu → \u003cstrong\u003ePłatności\u003c/strong\u003e → \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:42.581021+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31448,"key":"ad1c7397-e6f5-4c88-9557-fe1f8ffc9ee2","name":"Akordeon - pozycja","type":"accordion_position","index":8,"title":"Jak wygląda zwrot pieniędzy, gdy zrezygnuję z zakupu?","expand":false,"content":"\u003cul\u003e\n\u003cli\u003eGdy rezygnujesz z zakupu i chcesz dostać zwrot pieniędzy, postępuj zgodnie z zasadami zwrotu w danym sklepie\u003c/li\u003e\n\u003cli\u003eJeżeli dostaniesz zwrot na rachunek PKO Płacę później, automatycznie przeksięgujemy pieniądze na Twoje konto wskazane do spłaty transakcji\u003c/li\u003e\n\u003cli\u003ePamiętaj: spłać transakcję PKO Płacę później samodzielnie lub poczekaj na spłatę automatyczną\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:42.594860+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31449,"key":"5ddd4dec-f08e-4f4f-89eb-7e3733f74fcb","name":"Akordeon - pozycja","type":"accordion_position","index":9,"title":"Jak samodzielnie spłacić transakcję?","expand":false,"content":"\u003cp\u003eJeżeli chcesz wcześniej samodzielnie spłacić daną transakcję ze swojej listy, rozwiń menu (ikonka 3 kropek) i wybierz \u003cstrong\u003eSpłać teraz\u003c/strong\u003e – możesz to zrobić, gdy transakcja jest już zaksięgowana. Blokady rozliczamy w ciągu 7 dni.\u003c/p\u003e","created":"2024-11-18T12:52:42.608037+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31459,"key":"74cfa71e-e000-4064-85ac-20563909987f","name":"Akordeon - pozycja","type":"accordion_position","index":10,"title":"Czy mogę spłacić samodzielnie część jednej transakcji lub czy mogę rozłożyć ją na raty?","expand":false,"content":"\u003cp\u003eTransakcję spłaca się w całości – nie można rozłożyć jej na raty. Jeżeli spłacasz ją samodzielnie, również musisz zrobić to w całości.\u003c/p\u003e","created":"2024-11-18T12:52:42.620906+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31450,"key":"26f3ae0a-6dea-4e10-8ceb-03b2cdacec79","name":"Akordeon - pozycja","type":"accordion_position","index":11,"title":"Co się stanie, jeżeli po 30 dniach nie spłacisz zakupów?","expand":false,"content":"\u003cul\u003e\n\u003cli\u003eTransakcja, której nie spłacisz po 30 dniach, staje się tzw. zadłużeniem przeterminowanym – od tego momentu zablokujemy PKO Płacę później. Usługa zacznie automatycznie działać, gdy spłacisz zadłużenie i spełnisz warunki określone w \u003ca title=\"Otwórz regulamin\" href=\"https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf\" target=\"_blank\" rel=\"noopener\"\u003eRegulaminie\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003eOd zadłużenia przeterminowanego naliczamy i pobieramy odsetki ustawowe za opóźnienie w wysokości sumy stopy referencyjnej NBP i 5,5 p.p.\u003c/li\u003e\n\u003cli\u003e\u003cspan style=\"color: #000000;\"\u003eWysokość oprocentowania od zadłużenia przeterminowanego na 05.10.2023 to 11,25%\u003c/span\u003e. \u003ca href=\"https://www.pkobp.pl/oprocentowanie\"\u003eDowiedz się więcej\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003eZadłużenia przeterminowanego nie możesz spłacić samodzielnie – zrobimy to automatycznie. 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Kwota, której brakuje, stanie się zadłużeniem przeterminowanym. Dlatego pamiętaj, żeby na koncie do spłaty zapewnić odpowiednią kwotę.\u003c/p\u003e","created":"2024-11-18T12:52:42.648028+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31454,"key":"c3baf884-25c7-4f35-8c8e-9640fe608108","name":"Akordeon - pozycja","type":"accordion_position","index":14,"title":"Dlaczego po wybraniu Płacę z iPKO nie widzę opcji PKO Płacę później?","expand":false,"content":"\u003cp\u003eSprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później.\u003c/p\u003e","created":"2024-11-18T12:52:42.662361+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31455,"key":"520baeb1-dc55-4a82-8b8c-5127d3ba0ad1","name":"Akordeon - pozycja","type":"accordion_position","index":15,"title":"Dlaczego po wybraniu płatności z PKO Bankiem Polskim nie widzę opcji PKO Płacę później?","expand":false,"content":"\u003cp\u003eW takim przypadku wybierz płatność BLIKIEM, a potem skorzystaj z usługi PKO Płacę później.\u003c/p\u003e","created":"2024-11-18T12:52:42.682979+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31456,"key":"d5df3037-cab5-4817-8597-4117cdf4d20c","name":"Akordeon - pozycja","type":"accordion_position","index":16,"title":"Dlaczego po wybraniu BLIKA nie widzę opcji PKO Płacę później?","expand":false,"content":"\u003cp\u003eSprawdź, czy kwota Twojej płatności to min. 50 zł i czy masz dostępny limit PKO Płacę później. Upewnij się, że nie robisz zakupów bez kodu BLIK z automatycznym potwierdzaniem – wtedy PKO Płacę później nie działa.\u003c/p\u003e","created":"2024-11-18T12:52:42.696394+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31451,"key":"2d103011-d57f-48c5-867b-f3bf3041831d","name":"Akordeon - pozycja","type":"accordion_position","index":17,"title":"Jak długo działa usługa PKO Płacę później od momentu aktywacji?","expand":false,"content":"\u003cp\u003eLimit jest ważny 12 miesięcy i odnawia się automatycznie, jeżeli spełnisz warunki określone w \u003ca title=\"Otwórz regulamin\" href=\"https://www.pkobp.pl/api/public/45ed9dac-59f0-40ec-8035-a4ffc347a354.pdf\" target=\"_blank\" rel=\"noopener\"\u003eRegulaminie\u003c/a\u003e\u003c/p\u003e","created":"2024-11-18T12:52:35.045507+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31458,"key":"0ec0883f-e0fb-4e26-b8a1-0161b3bded35","name":"Akordeon - pozycja","type":"accordion_position","index":18,"title":"Czy mogę zwiększyć aktywny limit PKO Płacę później?","expand":false,"content":"\u003cp\u003eTak, limit możesz zwiększyć maks. \u003cstrong\u003edo\u003c/strong\u003e \u003cstrong\u003e2 000 zł.\u003c/strong\u003e Jeżeli chcesz złożyć wniosek o zwiększenie limitu:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eWybierz PKO Płacę później w aplikacji IKO lub serwisie iPKO\u003c/li\u003e\n\u003cli\u003eRozwiń \u003cstrong\u003emenu\u003c/strong\u003e\u003cstrong\u003e \u003c/strong\u003e(ikona 3 kropek) przy nazwie usługi\u003c/li\u003e\n\u003cli\u003eWybierz \u003cstrong\u003eZwiększ limit do wykorzystania\u003c/strong\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eWniosek możesz złożyć też w oddziale lub na infolinii.\u003c/p\u003e\n\u003cp\u003ePodwyższenie kwoty limitu PKO Płacę później zależy od oceny zdolności kredytowej.\u003c/p\u003e","created":"2024-11-18T12:52:42.708844+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31457,"key":"37918da1-1f8b-4a4e-a93e-849813be165e","name":"Akordeon - pozycja","type":"accordion_position","index":19,"title":"Mam konto wspólne – czy mogę dla niego włączyć więcej niż jeden limit PKO Płacę później?","expand":false,"content":"\u003cp\u003eAktywacja usługi PKO Płacę później zależy od pozytywnej oceny zdolności kredytowej. Jeśli taką macie, każde z Was może aktywować usługę.\u003c/p\u003e","created":"2024-11-18T12:52:42.722860+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31460,"key":"537a4c70-773d-46f5-9360-c54f42be2463","name":"Akordeon - pozycja","type":"accordion_position","index":20,"title":"Jak mogę zrezygnować z usługi?","expand":false,"content":"\u003cp\u003eW serwisie iPKO lub aplikacji IKO:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eRozwiń menu (ikonka 3 kropek) przy nazwie usługi\u003c/li\u003e\n\u003cli\u003eKliknij \u003cstrong\u003eZrezygnuj z usługi\u003c/strong\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003ePo wyłączeniu usługi:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003enie możesz już pobrać potwierdzenia swoich płatności – dlatego zrób to \u003cstrong\u003eprzed rezygnacją\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003ehistorię płatności możesz otrzymać w dowolnym oddziale\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:42.737320+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":37023,"key":"cbd9165f-0597-4d52-8ae5-07cdb21e0b0d","name":"Akordeon - pozycja","type":"accordion_position","index":21,"title":"Jak mogę odstąpić od umowy?","expand":false,"content":"\u003cp\u003eMożesz odstąpić od umowy PKO Płacę później bez podawania przyczyny \u003cstrong\u003edo 14 dni\u003c/strong\u003e od jej zawarcia:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003ew serwisie iPKO lub aplikacji IKO – wybierz \u003cstrong\u003ePKO Płacę później\u003c/strong\u003e, rozwiń \u003cstrong\u003emenu\u003c/strong\u003e (ikona 3 kropek) i kliknij \u003cstrong\u003eZrezygnuj z usługi\u003c/strong\u003e → \u003cstrong\u003eOdstąp od umowy\u003c/strong\u003e\u003c/li\u003e\n\u003cli\u003ena infolinii\u003c/li\u003e\n\u003cli\u003epodczas wizyty w naszym oddziale\u003c/li\u003e\n\u003cli\u003episemnie – wyślij nam oświadczenie (\u003ca title=\"Pobierz wzór oświadczenia\" href=\"https://www.pkobp.pl/api/public/8f57848b-c850-4ccb-9e39-35e0ab979c22.pdf\" target=\"_blank\" rel=\"noopener\"\u003eprzykładowy wzór oświadczenia z podanym adresem\u003c/a\u003e)\u003c/li\u003e\n\u003c/ul\u003e","created":"2024-11-18T12:52:41.741852+01:00","category":"basic","spacings":null,"is_searchable":true,"structure_404":null,"hide_on_mobile":false,"page_structure":382},{"id":31461,"key":"d7b6bd95-df2e-4a10-8808-80e0b11e3b08","name":"Akordeon - pozycja","type":"accordion_position","index":22,"title":"Czy po odmowie aktywacji usługi PKO Płacę później mogę ponownie złożyć wniosek?","expand":false,"content":"\u003cp\u003eTak, ale nie ma pewności, że umożliwimy Ci korzystanie z usługi. 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Umowa Ekopożyczki PKO nie stanowi umowy o kredyt wiązany w rozumieniu ustawy o kredycie konsumenckim.\u003cbr/\u003e\u003cbr/\u003e\n\nPoniższy przykład obliczony jest dla oprocentowania przed dostarczeniem przez Ciebie faktury za zakup urządzenia ekologicznego. Wysokość raty po dostarczeniu faktury i obniżeniu oprocentowania Twojej Ekopożyczki PKO możesz obliczyć z wykorzystaniem kalkulatora na stronie. \u003cbr/\u003e\u003cbr/\u003e","created":"2024-10-17T09:12:34.785606+02:00"},{"name":"dd_RRSO-KH-PR-PKO-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,08%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 59,9%; oprocentowanie stałe: 6,82%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok i marża 1,81%; a następnie oprocentowanie zmienne 8,16%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2,31%; całkowity koszt kredytu 467 013,25 zł, w tym prowizja 0,5%, tj. 1 700 zł, odsetki 429 809,65 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR), ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania); całkowita kwota do zapłaty 807 013,25 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 365,76 zł, od 6. roku kolejne raty wynoszą 2 618,59 zł i ostatnia rata 2 021,04 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:18:21.026076+02:00"},{"name":"dd_RRSO-KHM-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:10:20.066295+02:00"},{"name":"dd_RRSO-KH-PR-PKO-Z","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,83%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 340 000 zł, LTV (kwota kredytu do wartości zabezpieczenia) 59,9%, oprocentowanie zmienne 8,17%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 2,31%; całkowity koszt kredytu 495 331,86 zł, w tym: prowizja 0,5%, tj. 1 700 zł, odsetki 458 128,26 zł, ubezpieczenie nieruchomości 6 800 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie 28 284,60 zł (za cały okres kredytowania), całkowita kwota do zapłaty 835 331,86 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 299 rat wynosi 2 664,61 zł i ostatnia rata wynosi 1 409,87 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.417320+01:00"},{"name":"dd_RRSO-KHM","value":"9,92%","created":"2024-02-16T00:01:20.420734+01:00"},{"name":"dd_RRSO-KKI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 21,21%, całkowita kwota kredytu 100 000 zł, całkowita kwota do zapłaty 110 873,27 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 10 873,27 zł (w tym: opłata za obsługę karty kredytowej 1 000 zł, odsetki 9 873,27 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 9239,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 100 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:08:47.798006+02:00"},{"name":"dd_RRSO-KKMP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 20,74%, całkowita kwota kredytu 40 000 zł, całkowita kwota do zapłaty 44 249,31 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 4 249,31 zł (w tym: opłata za obsługę karty kredytowej 300 zł, odsetki 3 949,31 zł, obligatoryjne ubezpieczenie na życie 0 zł), 12 miesięcznych rat równych po 3 687,44 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 40 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej przy fizycznym użyciu karty (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:03.144224+02:00"},{"name":"dd_RRSO-KKP-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,33% całkowita kwota kredytu 10 000 zł, całkowita kwota do zapłaty 11 187,33 zł oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 187,33 zł (w tym: opłata za obsługę karty kredytowej 80 zł, odsetki 987,33 zł, obligatoryjne ubezpieczenie na życie 120 zł), 12 miesięcznych rat równych po 932,28 zł. Kalkulacja została dokonana na dzień 16.09.2024 r. na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 10 000 zł został wykorzystany jednorazowo w całości poprzez dokonanie transakcji bezgotówkowej (z wyłączeniem polecenia przelewu, polecenia przelewu wewnętrznego, Fast Cash – jednorazowej dyspozycji przekazania środków na dowolny rachunek bankowy i transakcji dokonanych w punktach oznaczonych jako kasyna gry, salony gier, zakłady bukmacherskie, loterie i totalizatory) w miesiącu, w którym Klient ją otrzymał.","created":"2024-09-17T11:09:21.677647+02:00"},{"name":"dd_RRSO-LO-BO-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 23,94%, całkowita kwota kredytu 11 400 zł, całkowita kwota do zapłaty 12 753,55 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 1 353,55 zł (w tym: prowizja 228 zł (2%), odsetki 1 125,55 zł), 12 miesięcznych rat równych po 1 043,80 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 11 400 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w Koncie Aurum, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie w przypadku gdy wpływy na rachunek w ostatnim miesiącu wynoszą min. 9 000 zł lub średnie miesięczne saldo aktywów na produktach to min. 150 000 zł, w przeciwnym razie miesięczna opłata za prowadzenie konta wynosi 40 zł.","created":"2023-10-05T10:11:53.011659+02:00"},{"name":"dd_RRSO-LO-KI-PR","value":"Rzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 25,16%, całkowita kwota kredytu 4 000 zł, całkowita kwota do zapłaty 4 494,93 zł, oprocentowanie zmienne 17,75%/rok, całkowity koszt kredytu 494,93 zł (w tym: prowizja 100 zł (2,5%), odsetki 394,93 zł), 12 miesięcznych rat równych po 366,24 zł. Kalkulacja została dokonana na dzień 05.10.2023 roku na reprezentatywnym przykładzie. Do obliczenia powyższych parametrów przyjęto, że limit w wysokości 4 000 zł został wykorzystany jednorazowo w całości, bez użycia karty płatniczej, w dniu postawienia go do dyspozycji Kredytobiorcy w PKO Koncie za Zero, a opłata za prowadzenie Konta wynosi 0 zł miesięcznie.","created":"2023-10-05T10:07:29.549523+02:00"},{"name":"[!RRSO-BK]","value":"4,31%","created":"2024-01-26T10:35:54.387093+01:00"},{"name":"[!RRSO-EP]","value":"19,55%","created":"2024-10-17T09:13:57.315741+02:00"},{"name":"[!RRSO-EPG]","value":"11,57%","created":"2024-01-26T10:36:13.391600+01:00"},{"name":"[!RRSO-KMSR]","value":"9,24%","created":"2024-06-07T15:55:58.263074+02:00"},{"name":"[!RRSO-KH-BH-Z]","value":"8,81%","created":"2023-11-29T16:28:35.068841+01:00"},{"name":"dd_RRSO-PH","value":"11,62%","created":"2024-02-16T00:01:20.911785+01:00"},{"name":"[!RRSO-PGPROMO]","value":"16,43%","created":"2024-07-01T08:32:03.227153+02:00"},{"name":"dd_RRSO-PH-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką wynosi \u003cstrong\u003e11,62%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie zmienne 9,81%/rok, na które składa się wskaźnik referencyjny WIBOR 6M 5,86% wg stanu na dzień 09.02.2024 r. oraz marża 3,95%; całkowity koszt kredytu 417 750,42 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 390 565,78 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 723 461,42 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 239 rat wynosi 2 917,90 zł i ostatnia rata wynosi 1 816,58 zł. Kalkulacja została dokonana na dzień 09.02.2024 r. na reprezentatywnym przykładzie.","created":"2024-02-16T00:01:20.910606+01:00"},{"name":"[!RRSO-KH-BH]","value":"9,84%","created":"2024-02-16T00:01:20.946700+01:00"},{"name":"[!RRSO-KH-PKO-Z]","value":"8,41%","created":"2023-11-28T10:34:37.016813+01:00"},{"name":"[!RRSO-KH-PKO]","value":"9,83%","created":"2024-02-16T00:01:21.339212+01:00"},{"name":"[!RRSO-KHM]","value":"9,92%","created":"2024-02-16T00:01:21.031687+01:00"},{"name":"[!RRSO-PG]","value":"11,57%","created":"2024-01-26T10:37:38.808037+01:00"},{"name":"[!RRSO-PH]","value":"11,62%","created":"2024-02-16T00:01:21.413858+01:00"},{"name":"dd_RRSO-PG-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 11,57%, całkowita kwota kredytu (bez kredytowanych kosztów) 13 700,00 zł, całkowita kwota do zapłaty 15 324,97 zł, oprocentowanie stałe 10,99%, całkowity koszt kredytu 1 624,97 zł (w tym: prowizja 0,00 zł, odsetki 1 624,97 zł), 23 miesięczne raty równe po 638,54 zł i ostatnia rata: 638,55 zł. Kalkulacja została dokonana na dzień 14.10.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-10-29T11:43:20.563101+01:00"},{"name":"dd_RRSO-PK-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO) wynosi 12,56%, całkowita kwota kredytu (bez kredytowanych kosztów) 26 700,00 zł, całkowita kwota do zapłaty 39 812,55 zł, oprocentowanie zmienne 11,89%, całkowity koszt kredytu 13 112,55 zł (w tym: prowizja 0,00 zł, odsetki 13 112,55 zł), 85 miesięcznych rat równych po 462,75 zł i ostatnia rata: 478,80 zł. Kalkulacja została dokonana na dzień 18.11.2024 r. na reprezentatywnym przykładzie.\u003c/strong\u003e","created":"2024-11-29T08:31:02.434784+01:00"},{"name":"[!RRSO-PK]","value":"12,56%","created":"2024-11-29T08:39:17.873541+01:00"},{"name":"dd_RRSO-KMSR-PR","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu mieszkaniowego ze spłatą rodzinną w PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e8,90%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 30 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 339 000 zł; LTV (kwota kredytu do wartości zabezpieczenia) 92,6%; oprocentowanie stałe: 6,51%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok z dnia 04.09.2024 r. i marża 1,5%, a następnie oprocentowanie zmienne 7,85%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85%/rok i marża 2%; całkowity koszt kredytu 559 275,53 zł, w tym prowizja za udzielenie kredytu 0,5%, tj. 1 695 zł, prowizja dla BGK za udzielenie gwarancji 461,27 zł; odsetki 514 722,57 zł, ubezpieczenie nieruchomości 8 136 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego), ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 400 zł, PCC 19 zł, ubezpieczenie na życie (za cały okres kredytowania) 33 841,69 zł; całkowita kwota do zapłaty 898 275,53 zł, płatna w 360 ratach annuitetowych (równych) miesięcznych, przy czym w okresie pierwszych 5. lat raty wyniosą po 2 146,53 zł, od 6. roku po 2 419,45 zł i ostatnia rata wyniesie 1 515,22 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:11:31.364238+02:00"},{"name":"dd_RRSO-PH-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconej jednorazowo pożyczki hipotecznej w PKO Banku Polskim zabezpieczonej hipoteką \u003cstrong\u003e10,75%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:14:01.793362+02:00"},{"name":"dd_RRSO-KH-PR-BH-S","value":"\u003cstrong\u003e Rzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu Własny Kąt hipoteczny w PKO Banku Hipotecznym SA zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,10%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 20 lat; całkowita kwota pożyczki (bez kredytowanych kosztów) 305 711 zł, LTV (kwota kredytu do wartości zabezpieczenia) 34,3%, oprocentowanie stałe: 8,46%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 3,45%, a następnie oprocentowanie zmienne 9,80%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 3,95%; całkowity koszt kredytu 394 941,81 zł, w tym: prowizja 0,5%, tj. 1 528,56 zł, odsetki 367 757,17 zł, ubezpieczenie nieruchomości 4 891,40 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO BP), ocena wartości nieruchomości mającej stanowić zabezpieczenie pożyczki 400 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 20 345,68 zł; całkowita kwota do zapłaty 700 652,81 zł, płatna w 240 ratach annuitetowych (równych) miesięcznych przy czym pierwsze 60 rat wynosi 2 647,09 zł, od 6. roku kolejne raty wynoszą 2 861,64 zł i ostatnia rata 2 409,21 zł. Kalkulacja została dokonana na dzień 04.09.2024 r. na reprezentatywnym przykładzie dla oferty specjalnej ważnej do 31.12.2024 r.","created":"2024-09-10T12:16:33.315164+02:00"},{"name":"dd_RRSO-KHM-PR-S","value":"\u003cstrong\u003eRzeczywista Roczna Stopa Oprocentowania (RRSO)\u003c/strong\u003e dla wypłaconego jednorazowo kredytu hipotecznego MIX\nw PKO Banku Polskim zabezpieczonego hipoteką wynosi \u003cstrong\u003e9,15%\u003c/strong\u003e przy następujących założeniach: okres obowiązywania umowy: 25 lat; całkowita kwota kredytu (bez kredytowanych kosztów) 326 868 zł, LTV (kwota kredytu do wartości zabezpieczenia) 52,4%, oprocentowanie stałe: 6,87%/rok (do 5. roku z uwzględnieniem obniżenia o 0,5 p.p.), na które składa się 5-letnia stała stopa bazowa 5,01%/rok oraz marża 1,86%, a następnie oprocentowanie zmienne 8,21%/rok (od 6. roku do końca okresu oprocentowania), na które składa się wskaźnik referencyjny WIBOR 6M 5,85% oraz marża 2,36%; całkowity koszt kredytu 452 539,49 zł, w tym: prowizja 0,5%, tj. 1 634,34 zł, odsetki 416 456,75 zł, ubezpieczenie nieruchomości 6 537,25 zł (za cały okres kredytowania, dla ubezpieczenia oferowanego za pośrednictwem PKO Banku Polskiego); ocena wartości nieruchomości mającej stanowić zabezpieczenie kredytu 700 zł, PCC 19 zł; ROR (Konto za Zero) 0 zł (za cały okres kredytowania; w związku z deklaracją systematycznych wpływów minimum 3 000 zł na ROR); ubezpieczenie na życie (za cały okres kredytowania) 27 192,15 zł, całkowita kwota do zapłaty 779 407,49 zł, płatna w 300 ratach annuitetowych (równych) miesięcznych, przy czym pierwsze 60 rat wynosi 2 284,76 zł, od 6. roku kolejne raty wynoszą 2 528,41 zł i ostatnia rata 1949,16 zł. 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